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Advertiser Disclosure: Merchant Maverick has partnered with CardRatings for our coverage of credit card products. Merchant Maverick and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. The offers in this article may be expired.

Small Business Credit Card Comparison

We've Helped Over 1 Million Business Owners Since 2009 Logos

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Credit NeededExcellentGood, ExcellentGood, ExcellentGood, ExcellentExcellent credit
Annual Fee$0 first year; $95 subsequent years$95$0$0$0 first year, $175 subsequent years
APRVariable, 18.74%Variable, 18.24% – 23.24%Variable, 12.99% - 20.99%Variable, 15.49% – 21.49%None - charge card
Introductory RateNoneNone0% APR for the first 12 months0% APR for the first 12 monthsNone - charge card
Rewards2% cash back on all purchases3 points per $1 on travel, shipping, internet/cable/phone, and internet advertising, max $150,000 per year; 1 point per $1 on all other purchases2 points per $1 on all purchases, max $50,000; 1 point per $1 on all purchases after $50,0005% cash back on internet/phone/cable and purchases at office supply stores, max $25,000 per year; 2% cash back at restaurants and gas stations, max $25,000 per year; 1% cash back on all other purchases3 points per $1 on a category of your choosing; 2 points per $1 on the for remaining categories; 1 point per $1 on all other purchases (Offer expired.)
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