Find the right business credit card for your company

Compare APR, annual fees, rewards rates, and eligibility from top issuers — all in one place, styled to match the Vermilion Vitez brand.

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This page is for informational purposes only and does not constitute financial advice. We may receive compensation from card issuers when users apply for cards through our links. All rates, rewards, and fees are accurate as of October 2025 but are subject to change. Please verify all terms directly with the card issuer before applying.

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Business Credit Card Guide

Responsible Use

Keep personal and business expenses separate for clean accounting and tax purposes.
Pay your full statement balance each month to avoid interest charges and maintain healthy cash flow.
Monitor your credit utilization — keep it below 30% of your total business credit limit.

Separating Expenses

Use a dedicated business card for operational costs, travel, and vendor payments.
Issue employee cards with spending limits to track departmental budgets.
Maintain clear receipt documentation for all business deductions.

Borrowing Considerations

Business credit limits are typically based on company revenue, time in business, and personal credit.
Interest charges begin if the monthly balance is not paid in full — compare APRs carefully.
Late payments can impact both business and personal credit scores depending on card terms.

Frequently Asked Questions

What credit score is needed for a business credit card?▾

Most business cards require a personal credit score of 670 or higher. Some issuers focus more on company revenue and time in business than personal scores alone.

Can I apply with an EIN only?▾

Some issuers allow applications using only an Employer Identification Number (EIN), but many still require a personal guarantee, especially for newer businesses.

How long does approval take?▾

Instant decisions are common for many cards, but full underwriting can take 5‑10 business days depending on the issuer and completeness of the application.

Do business cards report to personal credit bureaus?▾

It depends on the issuer and payment behavior. Some report authorized user activity; others only report severe delinquencies.

Can I have multiple business cards?▾

Yes — many business owners carry multiple cards to maximize rewards across different spend categories.

What's the difference between a charge card and a credit card?▾

Charge cards require the full balance to be paid each month; credit cards allow revolving balances with interest.

Are annual fees tax‑deductible for business cards?▾

Yes, annual fees on business credit cards are generally tax‑deductible as an ordinary and necessary business expense. Consult a tax professional.

Sources & Methodology

Comparison data compiled from issuer websites, CardRatings, and NerdWallet as of October 2025.

APR range for purchases and balance transfers
Annual fee and fee‑waiver offers
Rewards rate structure (cash back %, points per $ on categories)
Sign‑up bonuses and terms
Eligibility requirements (time in business, revenue thresholds)
Additional perks (travel insurance, purchase protection, employee cards)

Verification dates: APR/fee data — October 1, 2025. Rewards rates — October 15, 2025. Eligibility criteria — October 20, 2025.

Limitations: Rates and fees are subject to change without notice. Rewards values are estimated based on typical redemption patterns.

Source: CardRatings.com — Business card directory and reviews
Source: NerdWallet — Business credit card comparisons
Source: Individual issuer websites (Chase, Amex, Citi, Bank of America, Capital One, Discover, Barclays, US Bank, Wells Fargo)
Small Business Administration SBA.gov — Business credit resource guide