Earn rewards on every purchase, manage employee spending, and access detailed expense reporting – all while building your business credit.
Find the right card for your business spending patterns and reward preferences.
* Terms and conditions apply. See cardholder agreement for details.
| Features | Cash Rewards | Travel Rewards | Advantage | Secured | 0% APR |
|---|---|---|---|---|---|
| Annual Fee | $0 | $95 (waived first year) | $0 | $0 | $0 |
| Intro APR | 0% for 12 months | 0% for 9 months | — | — | 0% for 15 months |
| Regular APR | 13.99% - 21.99% | 14.99% - 22.99% | 14.49% - 22.49% | 16.99% | 13.99% - 21.99% |
| Rewards Rate | 1.5% cash back | 2x travel, 1x other | 3% office, 2% gas, 1% other | — | 1% after intro |
| Welcome Bonus | $200 | 50,000 points | $300 | — | $150 |
| Employee Cards | Free | $50/year | Free | Free | Free |
| Foreign Transaction Fee | 3% | 0% | 3% | 3% | 3% |
Set individual spending limits and receive alerts for employee purchases.
Automated expense categorization and year-end summaries for taxes.
$0 liability for unauthorized transactions with 24/7 monitoring.
Manage accounts, view transactions, and make payments on the go.
Card activity reported to major business credit bureaus.
Custom notifications for large purchases, payment due dates, and more.
Earn unlimited cash back on every business purchase with no categories to track. Simple, straightforward rewards for everyday spending.
Earn points on every purchase and redeem for travel, gift cards, or statement credits. Perfect for businesses with travel expenses.
Annual Fee: $95 (waived first year)
Maximize rewards on common business expenses with tiered cash back categories. Ideal for businesses with significant office and shipping costs.
Build or rebuild your business credit with a secured card. Your credit limit is backed by a refundable security deposit.
Perfect for large purchases or balance transfers. Enjoy an extended 0% intro APR period while you pay down your balance.
Most business credit cards report activity to business credit bureaus, not personal bureaus, as long as you pay on time. However, the initial application may require a personal credit check (soft pull) and you may need to provide a personal guarantee. Late payments could potentially affect personal credit if the account is personally guaranteed.
Yes! All our business cards allow you to request employee cards at no additional cost (some premium cards may have fees). You can set individual spending limits, restrict merchant categories, and receive real-time alerts for employee purchases. Employee activity is itemized separately for easy expense tracking.
Cash back can be redeemed as a statement credit, direct deposit to your business checking account, or as a check. Travel points can be redeemed through our travel portal for flights, hotels, and car rentals, or transferred to partner loyalty programs. Points can also be redeemed for gift cards or merchandise.
You'll need your business information (name, address, EIN), estimated annual revenue, and personal information for the business owner (including Social Security number). Sole proprietors can apply using their SSN. Most applications are completed online in minutes with instant decisions.
Business cards offer features tailored to business needs: employee cards with spending controls, higher credit limits, expense reporting tools, and rewards optimized for business spending (office supplies, travel, shipping). They also help you build business credit separate from your personal credit.
1 Welcome bonus offers: Available to new cardholders who apply and are approved. Bonus earned after meeting minimum spending requirements in first 3 months. Offer subject to change and may be withdrawn at any time.
APR = Annual Percentage Rate. Rates shown are estimates and based on creditworthiness. Your actual rate may vary. Terms and conditions apply. See cardholder agreement for complete details.
All credit cards subject to credit approval. Member FDIC.