Best business cards for startups of December 2025
When you’re managing a new business, maximizing your finances is vital for success, which is why it is important to be aware of some of the best business credit cards for startups. Opening a business credit card makes sense for startups since it can help simplify the finances of your new enterprise. Plus, lots of the rewards on these cards are geared toward business expenses and can help you earn points and miles you can redeem for business-related travel and rewards.
At The Points Guy, we are committed to helping our readers make better financial decisions, whether you’re an established business or just getting started. Here are our top picks for your startup from our partners.
- Capital One Spark Cash Plus: Best for unlimited business cash back
- The Blue Business® Plus Credit Card from American Express: Best for no annual fee
- Ink Business Unlimited® Credit Card: Best for freelancers
- Ink Business Cash® Credit Card: Best for office supplies
- The Business Platinum Card® from American Express: Best for business owners who prioritize premium travel perks
- American Express® Business Gold Card: Best for flexible rewards earning
- Signify Business Cash℠ Card by Wells Fargo: Best for flat rate business cash back with no annual fee
Browse by card categories
Comparing the best startup business cards
at Capital One's secure site
Terms & restrictions apply. See rates & fees.
| 2% | 2% cash back on every purchase |
| 5% | 5% cash back on hotels and rental cars booked through Capital One's travel booking site |
The Capital Spark Cash Plus is a great cash back card for larger businesses with high spending. It allows business owners to earn unlimited 2% cash back on every purchase, and Capital One will refund the card’s annual fee if the business meets a minimum spend of $150,000 annually. Read our full review of the Capital One Spark Cash Plus credit card.
Pros
- The card features unlimited 2% cash back on every purchase
- This card offers a large welcome bonus
- Hotels and rental cars booked through Capital One's travel booking site are eligible for 5% cash back
Cons
- The card has a $150 annual fee
- The required spend to refund the annual fee is very high
- The card’s balance must be paid in full every month
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 2X | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. |
If you’re just starting out with your small business (or side hustle), you may have some expenses that you’d like to maximize with a credit card but can’t yet justify paying an annual fee on other business cards. That’s where the Blue Business Plus card comes in. Read our full review of The Blue Business Plus Credit Card from American Express.
Pros
- No annual fee
- Earn Membership Rewards points
- Transfer points to airline and hotel partners
Cons
- 2x points capped at $50,000 per calendar year; then 1x
- No higher bonus categories for business-related spending
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 26.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited® Credit Card offers 1.5% cash back on everyday, non-bonus business expenses. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee
- A generous cash-back sign-up bonus
- Flat 1.5% cash back on all purchases
- Primary insurance for car rentals
Cons
- Higher spend to receive sign-up bonus
- No conversion to Chase points without holding the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card
- No travel protections
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
| 1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
Even if your business does not have a lot of travel expenses, there are still so many ways to take advantage of travel rewards cards. With no annual fee, the Ink Business Cash® Credit Card offers generous returns on a broad spectrum of office expenses like supplies, internet, cable and phone services. Read our full review of the Ink Business Cash Credit Card.
Pros
- The current sign-up bonus on this card is impressive
- There is no annual fee, which is perfect for small business owners
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services up to $25,000 in combined purchases each account anniversary year. Plus, you’ll earn 2% cash back at gas stations and restaurants, up to $25,000 in combined purchases each account anniversary year
Cons
- 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Best for business owners who prioritize premium travel perks
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros
- No foreign transaction fees
- Offers easy to use business-specific statement credits
- Earns valuable and transferable Membership Rewards points
Cons
- $895 annual fee
- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* |
| 1X | 1X is earned for other purchases. ** |
The American Express Business Gold takes the challenge out of earning points. With no rotating bonus categories, cardholders are in control of where to spend money and easily earn points that best suit their business needs. Read our full review of the American Express Business Gold Card.
Pros
- Earn 4x Membership Rewards points in the top 2 spending categories billing cycle (on the first $150,000 in combined purchases each calendar year), then 1 point per dollar
- Comes with a strong welcome offer
Cons
- Hefty annual fee
- Steep spending required to earn the welcome offer
- There may be better options for small businesses that don't spend a lot
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Best for flat rate business cash back with no annual fee
Signify Business Cash℠ Card by Wells Fargo
Information updated as of 11/18/2025
| 2% | Earn unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn |
Pros
- No annual fee
- Intro APR and a cash back welcome bonus
Cons
- Charges foreign transaction fees
- No bonus categories
This business cash-back card comes with no annual fee, flat 2% cash back on all purchases, a welcome offer and so much more. Whether you’re looking for an elevated cash-back card or a business travel companion that comes loaded with primary rental car insurance and delayed baggage reimbursement, the Signify Business CashSM Card by Wells Fargo* has got you covered.
Comparing the best startup business cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
at Capital One's secure site | unlimited business cash back | $2,000+ cash back Open Intro bonus $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2 - 5% cash-back Open Rewards rates
| $150 | ||||||
at American Express's secure site | no annual fee | 15,000 Membership Rewards® points Open Intro bonus Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. | 2X points Open Rewards rates
| No annual fee | ||||||
at Chase's secure site | freelancers | Earn $750 bonus cash back Open Intro bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back Open Rewards rates
| $0 | ||||||
at Chase's secure site | office supplies | Earn $750 bonus cash back Open Intro bonus Earn $750 when you spend $6,000 on purchases in the first three months after account opening | 1 - 5% cash-back Open Rewards rates
| $0 | ||||||
Elevated welcome offer at American Express's secure site | business owners who prioritize premium travel perks | Earn 200,000 Membership Rewards® points Open Intro bonus Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. | 1 - 5X points Open Rewards rates
| $895 | ||||||
at American Express's secure site | flexible rewards earning | Earn 100,000 points Open Intro bonus Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | 1 - 4X points Open Rewards rates
| $375 | ||||||
Signify Business Cash℠ Card by Wells Fargo * *The information about the Signify Business Cash℠ Card by Wells Fargo has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 11/18/2025 | flat rate business cash back with no annual fee | $500 cash rewards Open Intro bonus Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. | 2% cash-back Open Rewards rates
| $0 |
More details on the best business cards for startups
The Capital One Spark Cash Plus is a business card that offers 2% cash-back rewards on all eligible purchases with no limits. It is a charge card, which means the balance must be paid in full each month — but you won’t rack up interest charges for your purchases.
This card is best suited for business owners with thousands of dollars in chargeable expenses since it does have an annual fee of $150. To recoup that cost in rewards, you’ll need to charge at least $7,500 throughout the year on the card.
You can earn unlimited cash back on business expenses, which means you’ll never have to worry about juggling different bonus categories to maximize its value.
If your business wants to earn 2% cash back but doesn’t charge more than $50,000 per year, then The American Express Blue Business Cash™ Card is a great option to consider because it does not have an annual fee (see rates and fees), though the rewards-earning power drops to 1% per year after the $50,000 threshold has been passed.
The Blue Business Plus Credit Card is an excellent card for startups looking for solid reward earnings without having to deal with a high annual fee. Cardmembers earn 2 American Express Membership points per dollar, up to $50,000 annually, then 1 point per dollar. The card does charge foreign transaction fees and is best suited for startups who spend in the United States.
Those interested in earning American Express Membership Rewards points at a solid rate of 2 points per dollar while avoiding an annual fee should greatly consider this card.
"There are very few no-annual-fee cards that award fully-transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year, 1 point thereafter). That's a fantastic return of 4% back based on TPG's valuation, making this a great option for your small business needs." — Nick Ewen, senior editorial director
For those who prefer Capital One and also wish to earn a flat rate of 2 miles per dollar on all purchases, the Capital One Spark Miles for Business could be a strong option. Rewards earned can be transferred for travel to any of Capital One’s 15-plus airline and hotel partners.
The Ink Business Unlimited is great for freelancers thanks to its bonus earning of 1.5% cash back on all purchases and no annual fee. Those who hold other premium Chase travel cards can transfer their earned cash back to Chase Ultimate Rewards to widen their redemption options.
Freelancers, as well as established and small businesses that are just getting started, should consider the Ink Business Unlimited. The flat rate cash back is a solid perk that rewards businesses on all purchases while not having to worry about tracking bonus earning categories.
"I have the Chase Ink Business trilogy — the Ink Business Cash, Ink Preferred and Ink Unlimited cards. The first two cards maximize my points-earning on things like office supply, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earn rate. The fact that I have the Ink Preferred means I can convert my cash-back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come." — Matt Moffitt, managing editor
For businesses looking to earn more on their everyday purchases, the Capital One Spark Miles for Business may be a better option. This is especially true if you prefer earning miles over cash back or points since the Spark Miles for Business card earns 2 miles per dollar on all purchases.
Businesses looking to earn bonus rewards on their purchases while avoiding annual fees will love the Ink Business Cash Credit Card. The card offers 5% back on office supplies and telecommunication purchases (up to $25,000 in combined purchases each year), 2% cash back at gas stations and restaurants (up to $25,000 in combined purchases each year) and then 1% back on all other purchases.
Businesses who spend in the bonus-earning categories of the Ink Business Cash should use the card as it maximizes their earning potential. New business owners who are looking to minimize costs also find the card attractive because of its no annual fee. If a business owner holds another premium Chase card they can transfer their rewards to then redeem them as Chase Ultimate Rewards.
As a small business owner, if you spend less than $25,000 annually, then this is the perfect card to complement your spending habits, all while paying no annual fee as you rack up the rewards.
The Ink Business Preferred® Credit Card is for businesses that spend in the categories of travel, shipping, and advertising. The card comes with a low $95 annual fee and earns Chase Ultimate Rewards which can be used to book travel or transfer points to one of Chase’s 14 airline and hotel partners.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If your startup requires extensive travel while also looking to make the travel experience more seamless and enjoyable, then look no further because the Business Platinum Card from American Express is the card for you. The card offers several benefits such as statement credits, elite status and unparalleled lounge access to elevate your travel experience. Some benefits require enrollment.
Those who travel often can easily take advantage of the card’s lounge access to Centurion Lounges and others within the Priority Pass network for eligible card members (enrollment required for Priority Pass). The card is ideal for startups who also have annual spending for software and hardware, as the statement credits will offset those costs. Startups traveling often should also use this card as it provides extensive travel and purchase protections, giving cardholders peace of mind, knowing that they will be covered.
This card comes with numerous perks that outweigh the large annual fee when leveraged for maximum value. Between access to thousands of airline lounges worldwide, hotel elite status and various statement credits, this card comes with plenty of value. It also earns flexible American Express Membership Rewards, which can be transferred to Amex's network of partners. Some benefits require enrollment.
The American Express® Business Gold Card is an ideal card for startups looking for a similar card with a lower annual fee. Cardholders enjoy statement credits, travel protections, and the same transfer partners for airline and hotel reward redemptions.
The American Express Business Gold Card is a great way for companies to earn travel rewards, specifically if they’re interested American Express Membership Rewards points. Earning 4 points per dollar on your top two spending categories each billing cycle (up to $150,000 in combined purchases every calendar year, then 1 point thereafter) is a great earning rate for startups with ever-changing spending habits. In addition, the card earns 3 points per dollar on flights and prepaid hotels booked through amextravel.com, and 1 point per dollar on all other purchases. Pair this with American Express’s 18 airlines and three hotel transfer partners and this is a card many startups shouldn’t pass up on.
Startups that have flexible spending habits should consider this card as it’s one of the few within the industry that offers 4 points per dollar on the top two spending categories. Despite its $150,000 limit, such an earning rate is a sure way for a business to rack up the rewards and redeem them for amazing redemptions. Additionally, for businesses that make eligible U.S. purchases at FedEx, GrubHub or office supply stores, the up to $240 statement credits annually help lower costs. Enrollment required for select benefits.
The card belongs in the wallet of business owners who are looking for similar benefits to The Business Platinum Card® from American Express, but are looking to pay a lower annual fee and can better utilize the extensive bonus-earning categories of the card.
For those looking to earn American Express Membership Rewards points at a competitive rate of 2 points per dollar on all purchases (up to $50,000 per year, then 1 point per dollar after), but avoid paying any annual fees, The Blue Business® Plus Credit Card from American Express (see rates and fees) could keep their business overhead low.
The Signify Business Cash Card earns a flat 2% cash back rate, making ideal for entrepreneurs who want to earn credit card rewards they can put back onto their business.
*The information for the Signify Business Cash℠ Card by Wells Fargo has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Business owners who want a simple cash back card and want to earn rewards across eligible purchases without worrying about tracking bonus categories.
This card does not charge an annual fee, meaning business owners have one less expense to account for year after year.
If you’re seeking a more premium business product, consider the Capital One Venture X Business card. It also earns a flat rate of 2 miles per dollar spent across all purchases but features a heartier welcome bonus, a $300 annual travel credit when you book through Capital One Business Travel and complimentary travel perks like lounge access.
How we rate
Ask our experts
What's your favorite business card for startups — and why?
How to choose a startup business credit card
- Select a card with a minimum spend requirement that is achievable for your startup to earn the sign-up bonus. The welcome bonus is a large part of a card's value since it often offers more points than can be earned through general spending.1Sign-up bonus
- If your card features an annual fee, it is important to consider if the perks and benefits for your startup outweigh it.2Annual fee
- Choose a card for your startup that features elevated earning rates on your regular spending.3Bonus categories
Pros + cons of business cards for startups
Pros
- Using a startup credit card responsibly can help you build your business credit score
- Startup credit cards can earn rewards in the form of points, miles or cash back on every dollar you spend on your business
- Many startup business cards provide purchase, theft and fraud protection
- Startup business credit cards can provide business-friendly perks like travel insurance, complimentary hotel stays and bonus points on expenses related to your startup
- Opening a startup credit card can separate personal and business expenses
Cons
- Credit cards can encourage overspending
- Carrying a balance on your startup credit card could damage your business credit score
- The cost of borrowing on startup credit cards is higher than traditional loans
- You’re still personally responsible for any debt incurred on a startup business card
- Having too many card applications can negatively affect your credit score
Frequently asked questions
Startups typically have a limited credit history, but that doesn’t mean you can’t get a business credit card. Most issuers will allow individuals to apply for business cards using a social security number, but that requires a personal guarantee — an agreement where the applicant agrees to personally cover any debt on the business card. Even in cases of business failure, the personal guarantor is responsible for the debt.
This means that your personal credit history greatly affects your eligibility for a business credit card.
Applying for a business credit card is not a complicated process being that business credit card applications ask for information similar to personal card applications. Most business credit cards offer online applications and usually provide notice of approval or rejection right away.
The best business credit card for startups is one that best suits the spending needs and redemption options for business owners. Those looking for bonus earning categories to match their spending habits will be able to maximize the specific startup credit card they’re utilizing.
Most of the cards we've selected for business owners are recommended for those with good to excellent credit scores.
Small business credit cards are often given to companies with minimal credit history based on a personal credit score. However, established businesses should seek to create a dedicated business score to access better loans and lines of credit. For more information on how to build business credit, you can check out our full guide here.