These 45+ Credit Cards Were Made for Startups

You have your amazing idea and a solid business plan, and you are on your way to becoming a successful entrepreneur, but all of a sudden, you hit one of the biggest roadblocks in the wonderful world of startups: funding. Maybe you are struggling to qualify for a small business loan. Perhaps you have not yet found your angel investor. It could be that you are already overwhelmed with business expenses you have to cover with your own money and find it hard to keep your personal finances separate.

If any of these scenarios applies to you or your business, you will be glad to know that you have options. Getting a credit card for your business could be a wise course of action if you are in search of financial flexibility. 

A fair number of these credit cards boast no annual fees and extremely reasonable APRs. Will you have to travel a lot for your business? Some of these cards, like the Bank of America® Business Advantage Travel Rewards World Mastercard®, don’t charge foreign transaction fees and give you points for air travel and hotel bookings. If you are concerned about your credit score, there are a number of choices for a variety of credit score backgrounds, and some of these credit card companies do not perform a personal credit check at all, which could be to your benefit if you feel your credit history is holding you back from realizing your dream. 

So, check out some of these offers, do your research, and figure out which card is right for you. You’ll be up and running in no time! 

Amazon Business Prime American Express Card
APR: 15.74%-23.74% variable
Annual fee: No annual fee
Credit score: 690-850

American Express Blue Business Cash™ Card
APR: 14.74%-22.74% variable
Annual fee: No annual fee
Credit score: 690-850

American Express Blue Business Plus Credit Card
APR: 14.74%-22.74% variable
Annual fee: No annual fee
Credit score: 690-850

American Express Business Gold
APR: 15.74%-23.74% variable
Annual fee: $295
Credit score: 690-850

American Express Business Platinum
APR: 15.74%-23.74% variable
Annual fee: $695
Credit score: 670-850

Bank of America Business Advantage Customized Cash Rewards Mastercard
APR: 13.74%-23.74% variable
Annual fee: No annual fee
Credit score: 750-850

Bank of America® Business Advantage Travel Rewards World Mastercard®
APR: 13.74%-23.74% variable
Annual fee: No annual fee
Credit score: 740-850

Blue Business Cash™ Card from American Express
APR: 14.74%-22.74% variable
Annual fee: No annual fee
Credit score: 670-850

Brex 30 Card
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

Brex Business Card
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

Brex Card
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

Brex Card for Startups
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

Brex Corporate Card
APR: N/A
Annual fee: No annual fee
Credit score: 300-850

Capital on Tap Business Card
APR: 9.99%-34.99% variable
Annual fee: No annual fee
Credit score: 670-850

Capital One Spark Cash for Business
APR: 20.99% variable
Annual fee: $0 intro for first year; $95 after that
Credit score: 670-850

Capital One Spark Cash Plus
APR: N/A
Annual fee: $150
Credit score: 690-850

Capital One Spark Cash Select
APR: 17.49%-25.49% variable
Annual fee: No Annual Fee
Credit score: 670-850

Capital One Spark Classic
APR: 26.99% variable
Annual fee: No Annual fee
Credit score: 670-850

Capital One Spark Classic for Business
APR: 26.99% variable
Annual fee: No annual fee
Credit score: 630-689

Capital One Spark Miles
APR: 28.49% variable
Annual fee: $95 (waived the first year)
Credit score: 670-850

Capital One Spark Miles for Business
APR: 22.49% variable
Annual fee: $0 intro for the first year; $95 after that
Credit score: 670-850

Capital One® Spark® Classic for Business
APR: 26.99% variable
Annual fee: No annual fee
Credit score: 670-739

Chase Ink Business Cash
APR: 13.99%-19.99% variable
Annual fee: No annual fee
Credit score: 700-850

Chase Ink Business Preferred Credit Card
APR: 16.74%-21.74% variable
Annual fee: $95
Credit score: 670-850

Chase Ink Business Unlimited
APR: 13.99%-19.99% variable
Annual fee: No annual fee
Credit score: 670-850

Citi AAdvantage® Platinum Select® World Elite Mastercard®
APR: 17.49%-26.49% variable
Annual fee: $0 for the first year; $99 after
Credit score: 800

Costco Anywhere Visa® Business Card by Citi
APR: 16.74% variable
Annual fee: No annual fee
Credit score: 720

Delta SkyMiles® Gold Business American Express Card
APR: 17.24%-26.24% variable
Annual fee: $0 for the first year, then $99
Credit score: 690

Delta SkyMiles® Reserve Business American Express Card
APR: 17.24%-26.24% variable
Annual fee: $550
Credit score: 670-850

Discover It® Business Card
APR: 13.49%-24.49% variable
Annual fee: No annual fee
Credit score: 670-850

Divvy
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

Divvy Corporate Card
APR: N/A
Annual fee: No annual fee
Credit score: No personal credit check

First Progress Platinum Prestige Mastercard Secured
APR: 11.49% variable
Annual fee: $49
Credit score: 0-600

Ink Business Cash® Credit Card
APR: 13.99%-19.99% variable
Annual fee: No annual fee
Credit score: 670-850

Ink Business Preferred
APR: 16.74%-21.74% variable
Annual fee: $95
Credit score: 670-850

Ink Business Unlimited Credit Card
APR: 13.99%-19.99% variable
Annual fee: No annual fee
Credit score: 670-850

Marriott Bonvoy Business™ American Express® Card
APR: 17.24%-26.24% variable
Annual fee: $125
Credit score: 690-850

Ramp
APR: N/A
Annual fee: No annual fee
Credit score: 300-850

Silicon Valley Bank’s Innovators Card
APR: 11.24%-23.88% variable
Annual fee: No annual fee
Credit score: No personal credit check

The Plum Card from American Express
APR: N/A
Annual fee: $250
Credit score: 690-850

U.S. Bank Business Platinum Card
APR: 13.49-22.49% variable
Annual fee: No annual fee
Credit score: 740

U.S. Bank Business Triple Cash Rewards World Elite Mastercard
APR: 15.49%-24.49% variable
Annual fee: No annual fee
Credit score: 690-850

United Business Card
APR: 17.24%-24.24% variable
Annual fee: $99 (waived the first year)
Credit score: 700

US Bank Business Credit Cards
APR: 14.24%-25.24%, variable
Annual fee: No annual fee
Credit score: 750

US Bank Business Platinum
APR: (after 20 billing cycles) 15.99%-25.99% variable
Annual fee: No Annual fee
Credit score: 700

Wells Fargo Business Secured Credit Card
APR: 11.90%
Annual fee: No annual fee
Credit score: below 630

Last updated: 08/30/2022