Most startup founders would agree that a reliable source of financing is crucial to success. A business credit card allows you to purchase the products and services you need to get your business up and running and pay for any unexpected expenses.
However, with so many business credit cards on the market, it can be hard to choose the right one.
That's why we've put together this list of the seven best business credit cards for startups in 2023.
We've considered factors such as rewards, interest rates, annual fees, and more to find cards that are not only suited to startups but also offer great value and benefits.
There's a credit card on our list for everyone, whether you're searching for a cheap interest rate or a high rewards rate.
Best Business Credit Cards for Startups in 2023
Here is the list of the seven best small business credit cards with all the perks and benefits you need to succeed in your business in 2023.
American Express Blue Business Cash™ Card: Best Overall Credit Card for Startups and Small Businesses
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Overview
The Blue Business Cash Card by American Express is ideal for business owners who need to make purchases above their credit limit.
It offers increased purchasing power through a credit limit (that will be adjusted based on use), payment history, personal credit history, and available funds.
In addition, there is no annual fee, and you may receive cash-back rewards on any business-related transactions, regardless of spending category.
The card gives an easy-to-understand flat rate on all purchases and handles the redemption process automatically.
This makes it an excellent option for business owners who want to earn a high flat rate on ordinary purchases without needing to check bonus categories. The card's introductory 0% APR on purchases is convenient for financing upfront costs.
Annual Fee | $0 |
|---|---|
Intro APR | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation |
Regular APR | 17.49% to 25.49%, dependent on your creditworthiness and other variables determined at account opening |
Recommended Credit Score | Good-Excellent (690-850) |
Card Details: Key Features
Additional Features
Expanded buying power
When your business requires it, the American Express Blue Business Card provides you with flexible purchasing power. Expanded purchasing power enables you to spend above your credit limit and facilitates business operations.
Although the amount you can spend beyond your credit limit is not unlimited, it varies based on your card usage, payment history, credit record, and other criteria set by the bank.
Global Assist Hotline
Sometimes the unexpected occurs when traveling. Being a cardholder of the American Express Blue Business Card might make life easier. Global Assist® Hotline may assist you in preparing for your trip by providing information on customs and other issues.
In addition, while you're traveling more than 100 miles from home, you can call the Hotline for assistance with lost passports, translation services, missing luggage, and medical and legal referrals in an emergency.
However, card members are responsible for any costs charged by third-party providers.
Car Rental Loss and Damage Insurance
When you use a qualifying card to book and pay for a full rental and refuse the collision damage waiver (CDW) offered by the rental company, you are protected as a Card Member against damage to or theft of a rental vehicle in a covered region.
Remember that not every car type or rental vehicle is covered. This policy offers secondary coverage but excludes liability coverage.
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Why We Chose American Express Blue Business Cash Card?
The Blue Business Cash Card by American Express is an excellent choice for businesses of all sizes, especially startups. It offers a low-interest rate, no annual fee, and cash-back rewards on all purchases.
One of the main reasons we chose the American Express Blue Business Cash Card is its rewards.
With this card, businesses can earn up to 2% cash back on all purchases, which can be used to cover business expenses or to save for future purchases.
The Blue Business Cash Card also features several additional benefits, such as access to complimentary purchase protection and extended warranty coverage and the American Express Business App, which helps small businesses manage their cash flow, expenses, and more.
Chase Ink Business Cash Credit Card: Best Credit Card for Getting Cash Back Reward Points for Purchases
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Overview
This is an excellent option for those of you who like perks (and let's face it, who doesn't?). This card provides cash-back rewards on purchases at office supply stores, telecommunications services, gas stations, and restaurants.
Currently, it gives a $900 cash-back reward for spending $6,000 on purchases during the first three months following account activation.
It also allows you to add free employee cards, establish individual spending restrictions, and monitor costs.
With a generous sign-up bonus and no annual fee, this card is an excellent addition to the lineup of credit cards for startup founders. With the Ink Business Cash Credit Card, business owners can save money while they earn rewards.
Annual Fee | $0 |
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Intro APR | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation |
Regular APR | 17.49% to 23.49% Variable APR on purchases and balance transfers |
Recommended Credit Score | Good-Excellent (690-850) |
Card Details: Key Features
Additional Features
Auto Rental Collision Damage Waiver
The collision damage waiver coverage is primary for business-related vehicle rentals, meaning it supersedes any coverage provided by your own auto insurance.
It offers coverage up to the actual cash worth of the vehicle for theft and accident damage for the majority of automobiles in the United States and internationally.
Purchase Protection
New purchases are protected from loss or theft for up to 120 days, with coverage of up to $10,000 per single claim and $50,000 per account annually.
Extended Warranty Protection
For warranties of three years or fewer that are qualified, it extends the U.S. manufacturer's guarantee by an extra year.
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Why We Chose Chase Ink Business Cash Credit Card?
With a $0 annual fee and a $900 sign-up bonus, this card is ideal for businesses that spend a substantial amount on office supplies and telecommunications services.
One of the biggest advantages of the Chase Ink Business Cash Credit Card is its rewards program. These rewards can be used to offset the cost of business expenses, helping you save money.
The Chase Ink Business Cash Credit Card also offers extensive fraud protection to help keep your business secure. This includes fraud alerts, zero liability protection, and the ability to monitor your account activity.
Additionally, you'll receive complimentary auto rental collision damage waiver coverage, travel accident insurance, and purchase protection.
Finally, the Chase Ink Business Cash Credit Card comes with a range of business-friendly features, such as employee cards, real-time expense tracking, and the ability to set spending limits.
Plus, the card offers a 0% promotional APR on purchases and balance transfers for the initial 12 months.
For these reasons and more, the Ink Business Cash Credit Card is an excellent choice for small businesses and startups.
With its generous rewards, valuable sign-up bonuses, extensive fraud protection, and business-friendly features, this card can help you save money and manage your business expenses more effectively.
Bank of America Business Advantage Travel Rewards World Mastercard® Credit Card: Best for travel rewards with no annual fee
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The Bank of America Business Advantage Travel Rewards World Mastercard is ideal for business owners who often travel for work.
It offers a 0% introductory APR for the first nine months, has no annual charge, and has no fees for foreign transactions.
Regardless of spending categories, it gives fixed-rate unlimited reward points on all transactions, and you can redeem your points to pay for your travel through the Bank of America Travel Center.
And for account holders who maintain a minimum balance in qualified Bank of America and Merrill business accounts, the rewards may be the best in class.
Generally, you get 1.5 points for a dollar spent with the card, but when you book your travel journeys using the Bank of America Travel Center, you earn 3 points per dollar.
Annual Fee | $0 |
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Intro APR | 0% intro APR on purchases and credit transfers for nine months from the date of account opening |
Regular APR | 16.49% to 26.49% Variable APR on purchases and balance transfers |
Recommended Credit Score | Excellent (720-850) |
Card Details: Key Features
Additional Features
Balance Connect® for Overdraft Protection
Connecting your credit card with a Bank of America business checking account for overdraft protection via Balance Connect® is an additional service that can help you avoid declined transactions, returned checks, and other overdraft charges.
If the company applies for and receives Overdraft Protection, the bank will transfer money from Company's Account to cover any overdraft, provided that the company has adequate cash and credit availability in its account and is not in breach of the Business Card Agreement.
If an overdraft occurs, the bank will automatically move the funds from a linked company credit card using the overdraft protection function.
Online & Mobile Access
With safe banking options like online and mobile banking, you can exercise control over your accounts whenever and wherever you choose.
With just a few taps or clicks, you can check your account balance and keep an eye on activity for you and your employees at all times, from anywhere.
Zero Liability Protection
The Bank of America Business Advantage Travel Rewards World Mastercard also offers zero liability protection. This means that you are not responsible for unauthorized purchases made with your card.
The card issuer will reimburse you for the full amount of any unauthorized charges. This protection applies to all purchases made using your card, online or in-store.
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Why We Chose the Bank of America Business Advantage Travel Rewards World Mastercard Credit Card?
The Bank of America Business Advantage Travel Rewards World Mastercard credit card offers numerous benefits that make it a great choice for startups. As a startup founder, you can earn 3x points on travel and business-related purchases.
This is great for business owners who are constantly on the go, as they may quickly accumulate points redeemable for plane tickets and more.
The Business Advantage Travel Rewards World Mastercard® credit card is a suitable option for expanding small businesses since it comes with an introductory APR deal and lucrative rewards.
If you are a part of the Bank of America ecosystem, your boosted profits might become the finest in the market.
Chase Ink Business Preferred Credit Card: Best Credit Card for earning maximum travel rewards with flexible redemption options
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The Chase Ink Business Preferred Credit Card stands out among the best credit cards for startups because of its generous welcome offer, generous rewards program, and useful features.
Additionally, this card provides advantageous protections for you and your business. You'll receive travel cancellation and interruption coverage, purchase protection, and extended warranty coverage, among other benefits.
The $95 annual fee is probably quite justified if you travel for business frequently, or if your spending falls into any of the other reward categories.
It enables you to optimize rewards, have access to exclusive additional benefits such as smartphone insurance, and add employee cards at no extra cost.
Annual Fee | $95 |
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Intro APR | N/A |
Regular APR | 20.24% to 25.24% Variable APR on purchases and balance transfers |
Recommended Credit Score | Good-Excellent (690-850) |
Card Details: Key Features
Additional Features
Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or postponed due to illness, extreme weather, or other covered circumstances, you may be reimbursed up to $5,000 per passenger and $10,000 per trip for your non-refundable, pre-paid travel expenditures, such as airline tickets, activities, and accommodations.
Cell Phone Coverage
When the payment is paid with the Ink Business Preferred Credit Card, you and your workers are covered for up to $600 in damage or loss of cell phones.
A $100 deductible is applied to each claim, with a maximum of three claims allowed in a calendar year.
An International Payment Option
Some credit cards have plenty of features that might seem great for travelers at first glance, but in reality, are not particularly useful when you find yourself abroad.
This is where the Chase Ink Business Preferred Credit Card steps up to the plate, and actually delivers when you need it to. As a member of the Visa network, the card is widely recognized globally.
Additionally, there are no international transaction fees, saving you money on overseas transactions.
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Why We Chose Chase Ink Business Preferred Credit Card?
The Ink Business Preferred Credit Card by Chase is an ideal choice for startup founders looking to optimize their Spending. With a generous rewards program and valuable benefits, this card offers plenty of value for businesses of all sizes.
Businesses can cash in on hefty rewards and travel credit with the points earned from the card.
Not only that, but the card also offers 3X points per $1 spent on the first $150,000 in combined purchases in the categories of travel, shipping, internet, cable, and phone services.
Additionally, the Chase Ink Business Preferred Credit Card offers top-notch customer service, with 24/7 online and phone support available.
Not only that, but businesses can also take advantage of the unlimited employee cards, so everyone on the team can get the same great rewards.
American Express Blue Business® Plus Credit Card: An excellent credit card that offers rewards based on points and has a flexible credit limit
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The American Express Blue Business Plus is a great business credit card that provides rewards based on points for all transactions, with no limits on purchase categories.
It offers increased purchasing power that allows you to exceed your credit limit. It has no annual fee, a 0% promotional APR for 12 months, and bonus points for meeting the minimum spending criteria.
The card provides an easy-to-understand flat rate on all transactions and automatically manages the redemption procedure.
This makes it a great alternative for business owners who want to earn a high flat rate on everyday purchases without having to search for bonus categories.
The card also enables access to American Express-exclusive features, such as free delivery on business purchases and emergency support through the American Express Global Assist program.
Annual Fee | $0 |
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Intro APR | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation |
Regular APR | 17.74% to 25.74%, dependent on your creditworthiness and other variables determined at account opening |
Recommended Credit Score | Good-Excellent (690-850) |
Card Details: Key Features
Additional Features
Vendor Pay by Bill.com
There are some interesting features and benefits associated with bill paying, that we like. Utilize Vendor Pay by Bill.com to improve your cash flow and take full advantage of Card perks when you pay your invoices with your card.
Enroll your Card in Vendor Pay by Bill.com to have access to its benefits. The first user is not charged a monthly price under the Basic plan. Additional costs may apply dependent on plan type and the number of users.
Purchase Protection
With this particular feature, you can make purchases free of worry; safe in the knowledge that you have a 90-day period of protection against theft or fraud.
American Express will reimburse you up to $1,000 for the single claim and $50,000 for each cardholder annually for eligible costs.
Extended Warranty Protection
American Express offers cardholders an extra year of coverage on products with original manufacturer warranties of five years or fewer.
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Why We Chose American Express Blue Business Plus Credit Card?
The Blue Business Cash Card by American Express is a great choice for startups because it offers a 0% introductory APR period, no annual fee, and a generous rewards program.
With this card, entrepreneurs can earn up to 2 points for every dollar spent on eligible purchases. You can easily redeem the points for statement credits, gift cards, and more.
In addition, the card features an initial 0% APR term on purchases and credit transfers, allowing businesses to save money during their startup phase.
For company owners that need to exceed their credit limit, the American Express Blue Business® Plus credit card is the perfect option.
This points-based rewards credit card is a great choice for companies with yearly expenditures of less than $50,000. However, international transaction fees are charged, and cash advances are not available.
Capital One Spark Cash Plus Credit Card: Best for Startups With Heavy Spending
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The Capital One Spark Cash Plus credit card is a good option for startups with high expenditures. This card offers an unlimited 2% cash back on all purchases, with no annual fee.
It does not have a fixed credit limit, which means your credit limit adjusts to your requirements based on your spending pattern, payment history, and credit profile.
The Spark Cash Plus is designed to maximize the value of your purchases. With a substantial rewards rate, you may quickly start earning cash back on all purchases.
In addition, you may redeem your points for nearly anything, including travel, food, and more.
You may get your cash-back in the form of a credit to your account, a cheque, credits for prior purchases, or gift cards upon request. You can also schedule an automatic redemption at a designated time each year or when a certain limit is achieved.
Annual Fee | $150 |
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Intro APR | N/A |
Regular APR | No APR. Monthly payments must be made in whole, so interest cannot accrue. |
Recommended Credit Score | Excellent (720-850) |
Card Details: Key Features
Additional Features
Generous, Easy-To-Manage Cash-Back Rewards
Typically, business credit cards provide a flat cash-back rewards rate on most transactions and a higher percentage for particular categories, such as gasoline and office supplies.
The Capital One Spark Cash Plus alternatively provides 2% cash back on all purchases. It is possible to rack up hundreds, if not thousands, of dollars in annual rewards just by using your credit card for all of your significant transactions.
This card might be useful if you have a lot of miscellaneous company costs that don't fit neatly into any of the predefined spending categories on your other cards or if you just don't want to keep track of them. Just be sure you pay your monthly balance in full.
Free Employee Cards and Spending Limits
You can effortlessly track employee spending while also earning cash-back rewards from their purchases. In addition, you may establish spending limitations for each employee card individually.
Roadside Assistance
Capital One Spark Cash Plus credit cardholders have access to roadside assistance options, including jumpstarts, flat tire changes, and towing in the event of an unexpected breakdown.
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Why We Chose Capital One Spark Cash Plus Credit Card?
Capital One Spark Cash Plus is an excellent choice for startups that can pay their bills in full each month and for those who want a flexible credit card. Capital One Spark Cash Plus rewards are proportional to the growth of your company costs.
If you like the simplicity of no-rewards categories and have a need for international travel or overseas suppliers, this card might eventually make up for its annual cost in cash back for your company.
The Capital One Spark Cash Plus card also provides a variety of benefits and perks. Cardholders can enjoy extended warranty protection, travel and emergency assistance, car rental insurance, and purchase protection.
All of these benefits add up to make this card a great choice for those looking for a rewards card that offers lots of value.
The Business Triple Cash Rewards World Elite Mastercard by U.S Bank: For a Longer 0% APR Promotional Period on Both Purchases and Balance Transfers
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The Business Triple Cash Rewards World Elite Mastercard by U.S bank is a wonderful option for startups with ongoing subscription costs for software such as FreshBooks or QuickBooks, as well as those making major purchases.
There is no annual charge, and you may earn unlimited cash-back rewards on your purchases.
As its name suggests, this card provides a triple cash rewards scheme, allowing customers to receive 3% cash back on payments made at petrol stations, office supply retailers, and mobile phone/internet/cable services.
There is a 0% initial APR on purchases and debt transfers for the first 15 billing cycles, which is unusual for business credit cards, and then a variable APR of 18.49% to 27.49% thereafter. The balance transfer charge is 3% with a minimum of $5.
Annual Fee | $150 |
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Intro APR | 0% introductory APR on purchases and credit transfers for the first 15 months following account creation |
Regular APR | 18.49% to 27.49% Variable APR on purchases and balance transfers |
Recommended Credit Score | Good-Excellent (690-850) |
Card Details: Key Features
Additional Features
Purchase Assurance
Within 90 days of your purchase, U.S. Bank will restore or refund you for damaged or stolen products purchased with your U.S. Bank business credit card. Per account, coverage is restricted to $1,000 per loss and $25,000 per year.
Rental Cars and Rental Collision Damage Waiver
If you hire a car using a credit card issued by U.S. Bank, you are protected against loss or damage no matter where in the world you drive. Coverage is primary; therefore, you will not be required to utilize your own vehicle insurance or accept the rental agency's insurance. The coverage is limited to $50,000.
Annual Statement Credit of $100
The card's value increases if your company uses subscription services for accounting and financial management, such as FreshBooks and QuickBooks because the card provides a $100 yearly statement credit against such subscriptions.
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Why We Chose U.S. Bank Business Triple Cash Rewards World Elite Mastercard?
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard is suitable if you often purchase fuel, office equipment, or mobile phone services and need to make big purchases.
It provides one of the longest introductory interest-free financing periods for a small business credit card at 15 calendar months, during which time you can make purchases and transfer balances without paying any interest.
The Business Triple Cash Rewards World Elite Mastercard by U.S bank also offers a variety of benefits, including travel accident insurance, car rental insurance, lost luggage reimbursement, purchase protection, and extended warranty protection.
Plus, you can take advantage of Mastercard's global acceptance, making it easier to do business in any country.
Best Business Credit Cards for Startups: A Comparison
| Variables | American Express Blue Business Cash™ Card | Chase Ink Business Cash Credit Card | Bank of America Business Advantage Travel Rewards World Mastercard® Credit Card | Chase Ink Business Preferred Credit Card | American Express Blue Business® Plus Credit Card | Capital One Spark Cash Plus Credit Card | U.S. Bank Business Platinum Card |
|---|---|---|---|---|---|---|---|
| StartupGeek Rating | ⭐⭐⭐⭐⭐ (4.5/5) | ⭐⭐⭐⭐⭐ (4.2/5) | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ (4.1/5) | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ (3.5/5) | ⭐⭐⭐⭐(3.5/5) |
| Annual Fee | $0 | $0 | $0 | $95 | $0 | $150 | $0 |
| Intro APR | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation | 0% intro APR on purchases and credit transfers for nine months from the date of account opening | N/A | 0% introductory APR on purchases and credit transfer for the initial 12 months following the account creation | N/A | 0% introductory APR on purchases and credit transfers for the first 15 months following account creation |
| Regular APR | 17.49% to 25.49%, dependent on your creditworthiness and other variables determined at account opening | 17.49% to 23.49% Variable APR on purchases and balance transfers | 16.49% to 26.49% Variable APR on purchases and balance transfers | 20.24% to 25.24% Variable APR on purchases and balance transfers | 17.74% to 25.74%, dependent on your creditworthiness and other variables determined at account opening | No APR. Monthly payments must be made in whole, so interest cannot accrue. | 18.49% to 27.49% Variable APR on purchases and balance transfers |
| Recommended Credit Score | Good-Excellent (690-850) | Good-Excellent (690-850) | Excellent (720-850) | Good-Excellent (690-850) | Good-Excellent (690-850) | Excellent (720-850) | Good-Excellent (690-850) |
Our Methodology: How We Chose the Best Business Credit Cards for Startups
When it comes to choosing the best business credit cards for startups, the decision can be a little daunting. With so many options, it can be difficult to determine which card is the right fit for you and your business.
We looked at dozens of business credit cards from both online and conventional banks to decide which ones were the most suitable for startups.
For starters, we considered the overall cost of each card and looked at the annual fee, interest rates, and any other costs associated with the card.
We also looked closely at the rewards offered, the types of rewards offered, how easily they can be redeemed, and how they can benefit your business.
Next, we looked at the customer service and convenience of each card. We considered the online banking tools, customer service options, and overall convenience each card offers.
We also looked closely at the customer reviews for each card to ensure that our recommendations are reliable.
Finally, we took into account the overall credit limit for each card. We also considered any special offers or promotions associated with the card. By considering all of these factors, we were able to create a list of the best business credit cards for startups.
Why Should Startups Get a Business Credit Card
Business credit cards are a terrific tool to help startups access the capital they need to get their business off the ground.
Business credit cards offer lower interest rates and higher credit limits than personal credit cards, making them an attractive option for companies that need to make large purchases or need to borrow money to finance their operations.
Additionally, business credit cards may offer rewards and incentives that can be used to offset the cost of running a business.
Finally, having a secured business credit card can help startups build their credit history and establish business credit, which can be useful when seeking additional financing or negotiating better terms with suppliers and vendors.
Credit cards for businesses offer a variety of advantages to your company, including:
If your company has a formal corporate structure like an LLC, S Corporation, or C Corporation, you must use a business credit card instead of a personal one to pay for company costs.
Combining corporate and personal money might put the entity's asset protection benefits at risk.
How to Get a Business Credit Card for a New Business
Determine Your Credit Score: Most company credit cards require a good to exceptional personal credit score in order to be approved (typically a FICO score of 690 or above). However, it is possible to obtain a company credit card even if you have a low or nonexistent credit score.
Consider your spending habits before selecting the best credit card: Consider a card that offers hotel or airfare points if you or your workers travel frequently. Startups without months of revenue might consider future expenses, such as office opening.
In this situation, a card with additional cash back on office supplies may make sense. If you want to utilize your credit card as a company launch loan, a lengthy initial APR-free period may be ideal.
Check the Costs: In the early stages of a company's existence, every dollar counts, so you should choose a business credit card that helps cover your expenditures rather than increasing them.
There are cards with yearly fees that might reach hundreds of dollars. If the benefits outweigh the expense, it may be worthwhile to pay a charge. There are also a variety of company credit cards that do not charge an annual fee.
Collect Your Application Documents: Your name, Social Security number, and the details of your new firm must be provided in order to apply for a business credit card. Most business cards do not require a formal corporate framework.
In certain situations, however, such as when applying for a corporate card for a startup, you will be asked to provide business information, such as the employment identification number (EIN).
Use Your Card Responsibly: After receiving your new business credit card, you may immediately begin spending. If you have workers, you may receive a free card from several issuers and reap the benefits of their transactions.
To develop business credit, use the card responsibly by spending no more than 20–30% of your available credit and paying the balance in whole each month if this is your first business credit card.
Wrap Up
With access to instant funds 24/'7, credit cards provide essential financial backup for startups- especially those who are experiencing difficulty securing traditional forms of credit. Business credit cards provide solutions for startups that may assist in financing major expenditures with introductory APRs or provide simple operations and rewards.
With low-interest rates, generous rewards, and a variety of perks, these cards can help you build a solid financial foundation while also offering rewards and benefits that can help you save money and increase your business's bottom line.
With so many options available, it's essential to research the cards that best fit your business's needs and compare the terms and conditions of each card before making a decision.