Credit Cards (US)

Best startup cards for your business: 5 options

Do you own a startup? If so, you know that getting a credit card can be the best option to start and grow your business. So, read on to see the best startup cards!

See the best startup cards to grow your business!

Choose the right credit card to help you grow your business. Source: Adobe Stock.
Choose the right credit card to help you grow your business. Source: Adobe Stock.

If you’re a startup business owner looking for the best credit card to grow your company, you’re in luck! We’ve compiled a list of the best startup cards available!

Kabbage Funding™ from American Express

How to apply for Kabbage Funding™ from Amex?

Are you in the market for a flexible business loan? If so, read our post to learn how to apply for Kabbage Funding™ from American Express!

Each card has unique features that could benefit your business, so be sure to read through them all and find the one that best suits your needs.

So, if you want to grow your business better than ever, keep reading this post!

Find out which are the best startup cards for you: 5 excellent options!

If you're a business person looking for a credit card, check out these 5 options! Source: Adobe Stock.
If you’re a business person looking for a credit card, check out these 5 options! Source: Adobe Stock.

We all know that a credit card can be really important for those with startups or any other business. But which can be the best one for your business needs?

Each card has its own perks, and we’re here to help you find the one that can help you grow your business. So, keep reading to see our list of the best startup cards!

Capital One Spark Cash Select Credit Card

With the Capital One Spark Cash Select Credit Card, you can get incredible perks for your business to grow like never before. Also, you’ll get all of these perks for no annual fee!

Moreover, you can get unlimited cashback rewards, such as 5% cash back on rental cars and hotels you book through Capital One Travel. Also, you’ll get an incredible welcome bonus as a new cardholder.

So, you can read our table below to see the main information about this credit card to see if it’s the best option for your startup!

Credit ScoreExcellent score.
APR16.24% to 22.24% variable APR (it can vary depending on your creditworthiness).
Annual FeeNo annual fee.
Welcome bonus*You can earn a $500 cash bonus after you spend $4,500 on purchases (valid for the first 3 months from your account opening).

*Terms apply.
Rewards*1.5% unlimited cash back rewards (valid for every purchase on your business with no limits);

5% cash back on rental cars and hotels you book through Capital One Travel.

*Terms apply.

U.S. Bank Triple Cash Rewards Visa® Business Credit Card

With the U.S. Bank Triple Cash Rewards Visa® Business Card, you can earn $500 cash back! Moreover, you’ll earn 3% cash back on qualifying purchases at has and EV charging stations, and more!

Also, you’ll find that you can earn 1% cash back on any other qualifying purchase you make with your card! Plus, you’ll get an annual $100 statement credit for software subscriptions, such as FreshBooks.

So, if you want to learn more about this card to see if it’s the best option for you, see our table below!

Credit ScoreExcellent score.
APR0% intro APR for 15 billing cycles (valid for purchases and balance transfers);

After that, a variable APR ranges from $16.99% to 25.99%.
Annual FeeNo annual fee.
Welcome bonus*With the current offer, you can earn $500 in cash back (after you spend $4,500 on the card of the Account Owner in the first 150 days of account opening).

*Terms apply.
Rewards*3% cash back on qualifying purchases you make at gas and EV charging stations, office supply stores, restaurants, and more;

1% cash back on any other qualifying purchases with no limits or expiration on the total reward amount.

*Terms apply.

Ink Business Cash® Credit Card

You deserve the best business credit card! Source: Adobe Stock.
You deserve the best business credit card! Source: Adobe Stock.

With the Ink Business Cash® Credit Card, you can get incredible perks for your business with no annual fee. Plus, you’ll get an incredible 0% intro APR period for 12 months!

And after that, you’ll get a reasonable APR range! So, check out more information about this card below to help you decide!

Credit ScoreGood to excellent.
APR0% intro APR for your first 12 months with the account (valid for purchases);

Then, there will be a variable APR ranging from 15.49% to 21.49% for purchases and balance transfers.
Annual FeeNo annual fee.
Welcome bonus*With the current offer, you can earn a $750 bonus after spending $7,5000 on purchases (valid for what you spend on the first 3 months after opening your account).

*Terms apply.
Rewards*5% cash back for eligible business categories.

*Terms apply.

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American Express Blue Business Cash™ Card

With the American Express Blue Business Cash™ Card, you can get some of the best perks offered by any business credit card! American Express is already known for having the best cards on the market!

And it is no different with this card for business. You can get incredible perks and a high rewards rate for no annual fee (see rates and fees)! So, read our table below to learn more about this great card!

Credit ScoreGood or higher.
APR*0% intro APR for the first 12 months from the time of account opening (for purchases);

Then, you’ll have an APR ranging from 16.24% to 24.24% (for purchases).

(see rates and fees)
Annual Fee*No annual fee.

(see rates and fees)
Welcome bonus*With the current offer, you can earn a $250 statement credit (valid for after you spend $3,000 in purchases on your first 3 months).

*Terms apply.
Rewards*2% cash back for everyday qualifying business purchases (up to $50,000 per calendar year);

1% cash back on any other qualifying purchases (valid for after the first $50,000 you spend on your card).

*Terms apply.
Blue Business Cash™ Card from American Express

How to apply for an Amex Blue Business Cash™ Card?

Learn how to apply for an American Express Blue Business Cash™ Card and enjoy a full list of benefits with no annual fee.

The Hilton Honors American Express Business Credit Card

With this card, you’ll be able to get some of the best perks for your business if you need to use your card for gas or travel purchases.

Moreover, you can get an incredibly high rewards rate and an amazing welcome bonus. So, read our table below to learn more about this card!

Credit ScoreGood to excellent.
APR*18.74% to 27.74% for purchases (variable APR);

28.24% variable APR for cash advances.

(see rates and fees)
Annual Fee*$95.

(see rates and fees)
Welcome bonus*With the current offer, you can earn up to 130,000 Hilton Honours bonus points.

This offer is valid for when you spend $3,000 in purchases on your card in your first 3 months.

*Terms apply.
Rewards*12x Hilton Honors bonus points per dollar for purchases you make at hotels and resorts from Hilton;

6x Hilton Honors bonus points for business purchases at U.S. gas stations, shipping providers, and more;

6x Hilton Honors bonus points on eligible travel purchases made at U.S. restaurants, car rentals, and flights;

3x Hilton Honors bonus points on any other purchases using your card.

*Terms apply.

Now that you know which startup cards are, you can choose the best one to fit your business needs and grow like never before!

And if you need a business loan to give an extra push to your business, check the following content to see how OnDeck business Loans can help you with that.

ondeck business loans

OnDeck Business Loans review

Read on this OnDeck Business Loans review to learn how this lender can help your small business to grow and expand.

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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