Best Small Business Credit Cards

When Banks Say NO, We Say Yes!!
Up to $500,000
Easy & Fast
Bad Credit OK

Easy approval

No obligation approval to set up your business for what it needs next.

Safe & secure

Your data is secured with the latest in bank-grade encryption and SSL technology.

No risk application

Fast and easy online application that won’t impact your credit score.

How It Works

We help you save time and money by easily finding the best loan options

Apply in minutes

See all your loan options in one place with our quick, simple application. It takes 1 minutes to complete and won’t impact your credit score.

Get approved quickly

Finding the best loan option for your business should be easy. With us, you can get approved within hours so you can get back to running your business.

Get loan offers

The best loan option is one based on your budget, goals, and unique needs. We help you compare all your loan options in one place, from the industry’s top lenders.

Get your funds!

Once approved, your funds are transferred directly into your business’s bank account within 24 hours. Growing your business is just that simple.

Overview of Business Credit Card

Credit cards often get a bad rap as a way to borrow money, but that credit card sitting in your wallet can actually be a good way to fund your business. Business credit cards in particular are cheaper than many other forms of business financing, and you can benefit from features like rewards programs, 0 % APR promos, and more. In fact, 37 % of small businesses use credit cards as a source of business capital also like business loans. They are convenient for everyday purchases and also for smaller one-time expenses.

Your Small Business Credit Cards Options

Loan Amount

5,000$ à 5,000,000$

Repayment Term 

3 months—5 years

Interest Rate

Starting at 5%

Speed of Funding

As fast as 1 day

What Are the Benefits of a Small Business Credit Card?

When your business needs additional capital, securing a small business credit card can be the best decision you make for your company.

Avoid Cash Problem

Each business, no matter their size, experiences periods where working capital is tight. A small business loan can help shorten these stretches, without interrupting operations.

Keep Your Equity

Securing a small business loan allows you to maintain control of your company. You can use your loan however you like and can keep any profits or gains your business generates, all without seeking permission from your lender.

Long-Term Growth

In order to grow, you have to continually invest in your business. A small business loan can enable you to plan for the future without using any working capital from your day-to-day needs.

Expand

Trying to capitalize on a new market? With a small business loan, you can secure the location you need to widen your business’s reach. The more locations you have, the greater your chance to grow.

FAQs

How Business Credit Cards Work?

Credit cards come in two types: consumer and business. You can use either kind to fund business expenses. If your primary goal is to save money on interest, then we recommend a consumer card because they typically have longer 0 % APR promotional periods and lower interest rates. However, if you want to build up your business’ commercial credit score or take advantage of business-specific rewards programs, then it’s best to get a business card.

Whether you get a consumer or business card, using a credit card is as easy as swiping it at the point of purchase. There are some things to keep in mind, however, to minimize the costs and maximize the benefits of credit card usage:

Treat credit cards like a loan. Make regular payments to keep your balance in check. Failing to do this is what gets a lot of people into credit card debt. Try to keep your balance to no more than 30 % of your credit limit. If you need to to keep a larger balance, at least try to make more than the minimum payment each month.

Keep business partner(s) in the loop. You and your partner should set aside a fixed amount of monthly business revenue to pay down the credit card balance.

Use different credit cards for different reasons. Need to consolidate debt? Get a card with 0 % APR and no balance transfer fees for a limited time. Need a card for everyday business purchases? Choose a good rewards/cash back card. If you don’t have a lot of money coming into your business, get a card with no annual fee.

Maximize your credit line. The biggest constraint of using a credit card is that you’re limited to your credit line. If the credit card company doesn’t do so on their own, ask them to raise your limit every 1-2 years. If you have a good history of making payments on time, they’ll probably raise it.

If you have strong personal credit, you can take advantage of a financing product called credit card stacking. This combines the credit lines of several different cards to get you one low-rate, unsecured business line of credit. This is a good option for people that are starting a new business.

Will I Qualify for Business Credit Cards?

In general, you’ll need a credit score above 600 to qualify for a good credit card. Anything below that, and you’ll probably only qualify for a prepaid card or a secured credit card. You have to load prepaid and secured cards with money, so they don’t give you the flexibility of a regular credit card.

What is The Cost of Business Credit Cards?

A credit card is like a loan in the sense that you borrow money and pay it back later. However, unlike a loan, there’s no fixed due date to pay back the balance. There is a minimum monthly payment, and interest keeps accruing on unpaid balances.

Interest on a credit card is described in terms of an Annual Percentage Rate (APR). The average APR for business credit cards is currently around 16 % and a point or two lower for consumer credit cards.

Keep in mind that the APR that is charged for purchases may be different from the APR charged for balance transfers and cash advances. If you are more than 60 days late on a payment, you may be subject to a higher penalty APR. If there is a 0 % APR promotion, the normal APR will be restored at the end of the promotional period.

Get Started Today

Fill the online application form provided and voilà! We will get in touch with you immediately and provide you with a number of options customized for your business, depending on the information you’ll have given us. Decide on what best suits your business and remember that you are not obliged to proceed further, and no charges apply whatsoever.