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Marriott Bonvoy Credit Cards from American Express and Chase
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Choosing a small business credit card can be confusing. We’re here to make it simple.
Business-specific bonus spending categories
Larger credit lines
Minimize impact on personal credit score
Built for businesses that need to spend more than an average business, there are credit cards which have no preset spending limit.
It doesn’t mean no limit at all, but as you build history with the card and make on time payments, you will generally be allowed to charge more and more over time, giving you more flexibility.
American Express cards are the most well known for this but as you can see from the cards below, there are also offerings from Capital One.
American Express is an Advertising Partner
American Express is an Advertising Partner
American Express is an Advertising Partner
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Want a no annual fee card that earns a ton on office supply stores and on internet, cable and phone services? This is your card.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Chase Ink Business Preferred® is the cornerstone Chase business card, allowing you to transfer points to Chase Ultimate Rewards airline and hotel transfer partners and earning 3X points per dollar in combined purchases on popular categories like travel and select online advertising purchases (up to $150,000 per year).
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
A great card for a small business owner with a lot of business spend. 4X points on a wide range of popular business spend categories where you spend the most each billing cycle can really add up!
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Chase Ink Business Preferred® is the cornerstone Chase business card, allowing you to transfer points to Chase Ultimate Rewards airline and hotel transfer partners and earning 3X points per dollar in combined purchases on popular categories like travel and select online advertising purchases (up to $150,000 per year).
You’ll find bonus categories (points multipliers for spend on specific categories) tailored towards small businesses.
Here are some common bonus spend categories for small businesses as well as a few of our favorite cards for popular business spending categories:
This is huge for small business owners with high spend. If you have high balances each month on a personal credit card, it will hurt your personal credit score. While a few business credit cards do report to personal credit, the ones below will not unless you get behind in payments.
Here are some of our favorite Cards that don’t report to personal credit bureaus
Chase Ink Business Preferred® Credit Card
Chase Ink Business Cash® Credit Card
Chase Ink Business Unlimited® Credit Card
The Business Platinum Card® from American Express
Capital One Spark Cash Plus
Capital One Venture X Business
American Express® Business Gold Card
The Blue Business® Plus Credit Card from American Express
The American Express Blue Business Cash™ Card
World of Hyatt Business Credit Card
Delta SkyMiles® Reserve Business American Express Credit Card
The Hilton Honors American Express Business Card
IHG One Rewards Premier Business Credit Card
United℠ Business Card
Chase Ink Business Premier℠ Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
FEATURED OFFER
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
A “no preset spending limit” powerhouse business card from Capital One. Earn 2X miles on everything.
Because small businesses tend to spend more than consumers, credit card companies are willing to offer you more incentives to sign up for their card over a another – meaning welcome bonus offers that often exceed $1,000 in value.
You’ll also need to spend more within a certain timeframe than you would on a consumer card, but if you have the spend to make anyway, this is an added bonus!
If you have a full on business with an EIN, then obviously yes, you can get a business credit card. Skip to the cards. But what if you don’t?
You do need to conduct business outside of a day job to get business credit cards. You are not eligible if you have a salaried position and no other income.
A side hustle counts. If you consult on the side, then you qualify for a business credit card. If you sell things on eBay or Craigslist, you qualify. If you sell goods or services anywhere, you qualify!
Note that if you do not have a registered business name and an EIN, you must apply in a very specific way, described below. Pay careful attention or you will be declined for a business credit card.
Your business name is your real name.
If you are “Jim Smith” on your personal credit cards, use “Jim Smith” as your business name.
Do not make up a business name!
Your Tax ID number is your
Social Security Number.
Your business income will be
the amount you make from your side business.
Do *not* include other income
(such as investment income, etc) unless it is part of your business.
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Contact usIn most cases, no – but there are exceptions. See this section for business credit cards that do not report to your personal credit file. Note that if you are delinquent on payments with these cards, that will cause it to report the delinquency to your personal credit.
YES!! We can’t believe some of the misinformation out there but every single one of the small business credit cards (which are different from corporate cards that large corporations use) require you to accept full personal liability for all charges when you apply.
While we have seen some high limits on personal credit cards, and some like the Platinum Card from American Express have no preset spending limit, but in general business credit cards will offer higher credit limits – especially if you have significant business revenue.
YES – you can apply using your Social Security Number if you have valid business income of any size. Follow the steps here.
