Revolving cash credit cards are an incredible way to build business credit fast, and gain the flexibility needed to run a sustainable business. Below is a list of business credit cards available to small and medium businesses.
NOTE: These accounts will mostly require good credit– 690+ personal credit scores- to get approved. OR you can use a credit partner (a partner with good credit) to get your business approved.
Capital One Spark Classic
Description: All Spark® Business credit cards report to both personal and business credit reports. Although it does report to personal these cards do enable you to build your business credit reports.
Reports to: Dun & Bradstreet, Experian Business, and Personal Credit Reports
Approval Requirements: Approvals is based on personal credit reports and FICO® scores. You cannot have been declined for a credit card in the past 90 days, or have defaulted on a loan to apply.
Payment Terms: Revolving
CLICK HERE to Apply
American Express Blue Business Cash Card
Description: The American Express Blue Business Cash Card allows you to reinvest in your business with automatic cash back. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
Reports to: Dun & Bradstreet (only when delinquent)
Approval Requirements: Personal Credit Scores of 690+
Payment Terms: Revolving
CLICK HERE to Apply
American Express Blue Business Plus Card
Description: The American Express Blue Business Plus Credit Card can earn you 2X Membership Rewards points on everyday business purchases up to $50,000 with no category restrictions. Then earn unlimited 1X points, all without an annual fee.
Reports to: Dun & Bradstreet (only when delinquent)
Approval Requirements: Personal Credit Scores of 690+
Payment Terms: Revolving
CLICK HERE to Apply
American Express Gold Business Card
Description: Earn 4X points on 2 select categories where you spend most each month, up to the first $150K in combined spend. 1X points on purchases thereafter. Earn 35,000 Membership Rewards pointsafter you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Annual Fee: $295
Reports to: Dun & Bradstreet (only when delinquent)
Approval Requirements: Personal Credit Scores of 700+
Payment Terms: Revolving
CLICK HERE to Apply
Chase Ink Business Unlimited
Description: $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening. Unlimited 1.5% cash back rewards on every purchase made for your business.
Annual Fee: $0
Reports to: D&B, Equifax, Experian
Approval Requirements: Personal Credit Scores of 700+
Payment Terms: Revolving
CLICK HERE to Apply
Chase Ink Business Cash
Description: 5% cash back in select business categories, plus earn rewards on every purchase made for your business – with this no annual fee credit card. $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
Annual Fee: $0
Reports to: D&B, Equifax, Experian
Approval Requirements: Personal Credit Scores of 700+
Payment Terms: Revolving
CLICK HERE to Apply
Chase Ink Business Preferred
Description: 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That’s $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards. Earn 3X points on travel and other select business categories.
Annual Fee: $95
Reports to: D&B, Equifax, Experian
Approval Requirements: Personal Credit Scores of 700+
Payment Terms: Revolving
CLICK HERE to Apply
PNC Cash Rewards Visa Signature Business Credit Card
Description: Earn 1.5% cash back on net purchases.
Annual Fee: $0
Reports to: Experian
Approval Requirements: Personal Credit Scores of 700+
Payment Terms: Revolving
CLICK HERE to Apply
