In this post, I compare business credit cards which represent a fast growing segment in credit card industry, the reason for fast growth is its popularity. As I pointed out in the q&a, individuals without a business are eligible to apply for a business credit cards, so you don’t need to worry about your eligibility, it’s ok for you to consider them the same as consumer credit cards. The way I compare business credit cards is to break all cards down to major benefit categories of benefits:
High Credit Limit ($35,000 - $50,000 maximum)
|
Card Name |
Requirements |
Benefits |
 |
Advanta Platinum with Unlimited Rewards
 |
requires Good Credit, Regular APR: 7.99%, Annual Fee: None |
Credit Limit: up to $50,000, Reward: up to 5% cash, Intro APR: 15 mth 0% on BT |
0% Intro APR for Balance Transfer
|
Card Name |
Requirements |
Benefits |
 |
Advanta Platinum with Rewards Customized BusinessCard
|
requires Good Credit, Regular APR: 7.99%, Annual Fee: None |
Reward: up to 5% cash, Intro APR: 15 mth 0% on BT |
 |
The Kiva BusinessCard from Advanta
|
requires Good Credit, Regular APR: 7.99%, Annual Fee: None |
Reward: 1-5% Cash, Intro APR: 15 mth 0% on BT |
Cash Rewards Cards
|
Card Name |
Requirements |
Benefits |
 |
Discover® Business Card®
|
requires Good Credit, Regular APR: 13.99%, Annual Fee: None |
Reward: 1-5% Cash, Bonus: $100 Cash sign-on, Intro APR: 12 mth 0% on Purch |
Miles Rewards Cards
|
Card Name |
Requirements |
Benefits |
 |
Discover® Business Miles Card
|
requires Good Credit, Regular APR: 13.99%, Annual Fee: None |
Reward: 1 Mile/$, Bonus: 12,000 miles sign-on, Intro APR: 12 mth 0% on Purch |
 |
Capital One Business Platinum with Double No Hassle MilesSM
|
requires Excellent Credit, Regular APR: as low as 18.67%, Annual Fee: 1st yr free, $39 thereafter |
Reward: 2 Miles/$, Intro APR: 12 mth 0% on Purch |
 |
Capital One Business Platinum with Preferred No Hassle MilesSM
|
requires Above Average Credit, Regular APR: as low as 15.67%, Annual Fee: None |
Reward: 1-3 Miles/$, Intro APR: 0% on Purch and BT until Dec. 2009 |
Point Rewards Cards
|
Card Name |
Requirements |
Benefits |
 |
Advanta Business World MasterCard
|
requires Good Credit, Regular APR: as low as 16.99%, Annual Fee: None |
Reward: 1 Point/$ |
 |
Advanta Platinum 90-Day Interest Free BusinessCard
|
requires Good Credit, Regular APR: as low as 15.99%, Annual Fee: None |
Reward: 1 Point/$, Intro APR: 3 mth 0% on Purch |
 |
CitiBusiness® Card with Thank You Network
|
requires Good Credit, Regular APR: 10.49%, Annual Fee: None |
Reward: 1-3 Points/$, Bonus: 10,000 pts after spend $250, Intro APR: 12 mth 0% on Purch |
Cards with Sign-on Bonuses
|
Card Name |
Requirements |
Benefits |
 |
CitiBusiness® Card
|
requires Good Credit, Regular APR: 8.49%, Annual Fee: None |
Bonus: $25 after spend $250, Intro APR: 12 mth 0% on Purch |
Important Disclaimer: the credit cards information in this post were accurate as of the date of publishing, some or all of the card programs may be discontinued, their terms may be changed after wards.
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[…] business credit cards offer fabulous deals. Some of those deals are much better than those of consumer credit cards. For example, American […]