Credit Cards -> Business Credit Cards

Business Credit Cards

Business credit cards are a great way for any working enterprise to establish credit and control spending. By using a business credit card, companies can keep track of expenses as well as protect themselves from unauthorized purchases. But how do you find the best business credit cards?

In the past, in order to compare business credit cards one had to request information via mail from several lenders. This, of course, could take a long time. Once the information arrived, the applications had to be filled out and mailed back, and that, too, added time to the process. Today, however, business credit cards can be reviewed online and even applied for online. The decision time for approval has also been dramatically reduced and it is now possible to have an answer back in minutes rather than days or weeks.

As with any financial decision, commercial decision makers need to compare business credit cards in order to get the best business credit cards that fit their needs. A good way to approach this research is to begin by making a short list of what the enterprise needs in the product. Once this list is made a visit to one of the comparative online sites will help narrow down the possible choices that fit the list.

American Express SimplyCash® Business Card

Earn 5% Cash Back on Office Supplies and Wireless Services*
Earn a 3% Cash Rebate on Automobile Gasoline Purchases Up to $12,000 per Year; 1% thereafter
Earn 1% Cash Back on Virtually All Other Purchases*
No Limits to The Cash Back You Can Earn*
Cash Back is Automatically Credited to the Statement Each Month*
0% Introductory APR for the First 12 Months*
No Fee with the Flexibility to Pay in Full or Carry a Balance*
Additional Cards Have No Annual Fee*
Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz®, and More*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	Up to 12 Months*	As low as Prime + 0%	Additional Cards No Annual Fee*	Yes*	Very Good Credit*

Read the Full Review or Apply Online

Advanta Platinum BusinessCard with Rewards - Business

0% APR on Balance Transfers for 15 Months, 7.99% Fixed APR Thereafter*
7.99 Variable APR on Purchases*
Choice of 5% Cash Back or Travel Rewards*
No Annual Fee and No Limit on Earnings*
$0 Fraud Liability*
Personalized Card -- Your Company Name on The Top of the Card*
See Terms and Conditions for additional Information, Limitations and Benefits*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 Months*	7.99%*	None*	Yes*	Good Credit*

Read the Full Review or Apply Online

The Platinum Business Credit Card - Business

Option to Enroll in the Membership Rewards Express® Program Fee-Free*
There's No Limit to the Number of Points You Can Earn*
Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More*
0% APR for the First 12 Months*
No Annual Fee*
No Annual Fee for Additional Cards*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	12 Months*	As low as Prime + 2.99%*	None*	Yes*	Good Credit*

Read the Full Review or Apply Online

Capital One® Business Platinum with Double No Hassle Miles(SM)

Capital One® Business Platinum Double No Hassle Miles

Earn Rewards Twice as Fast!*
Earn 2 Miles Per Dollar Spent on Purchases*
Redeem Miles for Cash Back, Gift Cards, Flights and More*
Fly on Any Airline With No Blackout Dates or Seat Restrictions*
No Limit to the Miles You Can Earn and Miles Won’t Expire for the Life of Your Account*
Free Employee Cards With Individual Spending Limits You Set*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	17.99%*	Free 1st yr, then $39*	See Site for Details*	Excellent Credit*

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JetBlue Business Credit Card from American Express®

Exclusive Benefit for JetBlue Business Cardmembers: 5% Savings on JetBlue® flights Purchased With Your Card*
50 TrueBlue® Points, Worth 1/2 of a Free Flight, after Your First Purchase*
Earn 1 Award Dollar for Virtually Every Dollar You Spend*
Earn Double Award Dollars on JetBlue® Purchases, Gas, Wireless Phone Charges, and More*
Save 3-25% on Business Purchases at Companies Like FedEx®, HertzJ, and More*
Your TrueBlue® Points Don't Expire When You Use Your Card*
Protection when You Travel: Car Rental Loss and Damage Insurance, Baggage Insurance, and More*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
3.99% on Balance Transfers*	6 Months*	Prime + 9.99%*	$40*	Yes*	Very Good Credit*

Read the Full Review or Apply Online

Chase Platinum Business Card

Save with 0% APR for Up To 12 Months on Purchases and Balance Transfers*
Free Online Reporting - Quarterly Reports Enable You to Monitor Your Business Spending*
No Annual Fee*
Platinum Business Benefits - Value Benefits Such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance*
Visa Business Partner Advantage - Savings of Up To 20% From Leading Retailers with Special Offers on Computer Equipment, Office Supplies and More*

Click Here to Apply Now

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases, Balance Transfers*	Up to 12 Months*	8.99%*	None*	Yes*	Very Good Credit*

Read the Full Review or Apply Online

Finding the Best Business Credit Card

Of particular importance to most business credit cards is the interest rate that will be applied to purchases if the balance is carried over. Those looking for the best business credit cards should understand that interest rates can and do vary from one issuer to the next and vary also with the current credit rating of the company seeking the business credit card. For this reason, small business owners may want to review their credit reports before applying. If mistakes are found on the reports they should corrected as quickly as possible. Mistakes on credit reports are more common than one might expect and they can lead to higher rates being levied against the small business.

Enterprise owners and decision makers will be happy to know that most of the major lenders now offer online application processes. This can reduce the amount of time needed to make a decision to mere minutes in some cases. Decision makers should also have on hand when applying any added authorized users for the business credit card. This information will be needed by the lender so that the names can be added to the account.

One of the best reasons for using business credit cards is that they allow the owner to keep track of purchases throughout the year by simply using the statements that arrive. When the business credit card is used, the purchase details are listed on the statement and this makes the bookkeeping a snap at the end of the year. Statements can also be used to detect unauthorized purchases before they get out of hand.

As you can see, business credit cards are not only useful but they are also functional. The benefits they offer are many and they are easier to apply for now than they have been at any time in the past.