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A true companion in your small business’ financial journey

Whether you are a startup or an SME, getting a business credit card is an ideal solution to your business’ financing problems. Don’t settle for any business credit card. Create a FREE account on Smansha to find the right credit card for your business. A business credit card can help you boost your working capital, keep better control of your business spending, use the money for a variety of expenses, build a strong credit history, and make larger business purchases.

So, what are you waiting for? Find and compare the
best business credit card offer now.

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Applying and Qualifying For a Business
Credit Card?

Filling out an application form for a business credit card is fast and easy. Smansha will help you find and choose the best business credit card as per your business needs.

Who can get a business credit card?

Wondering what types of businesses are eligible for business credit cards? Basically, if you’re operating a business with the intent of making a profit, you’re eligible for a business credit card. Business credit cards aren’t just limited to corporations. Even if you’re running a small business, working as a sole proprietor, or as a business owner with an LLC, have no office or a freelance gig or side hustle, you can likely apply for a business credit card.

Nevertheless, depending on the specific card and application, you’ll likely need some,
if not all of the following:

Business name

Business address and phone number

Business history

Business entity and legal structure

Number of employees

Federal Tax Identification Number

Annual business revenue

Estimated monthly spend

Personal credit history and guarantee

Are business credit cards only for an existing business?

No! Even if you’ve just started your business and it doesn’t have a credit history yet, you can still apply. Many of our lending partners will provide you a business credit card after review of your personal credit report in this condition.

What credit score is needed for a business credit card?

You must have a credit score of 650 to 700 to qualify. Most credit cards require good credit for approval.

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Features and Flexibilities of a Business
Credit Card

Business credit cards not only help you enjoy financial flexibility in your small business but also take advantage of various attractive perks not offered by personal credit cards.

What are business credit cards used for?

Need to buy office supplies for your business? Want to take clients out to lunch? Need to increase inventory or cover monthly costs? Use your business credit card for various business purposes.

Top reasons you should use a business credit card?

Using a credit card for your business could be favorable and there are several reasons for that:

Easy to separate your personal and business expenses

Expands your overall available credit

Offer various attractive rewards such as points, cash-back, and other amazing perks

Offer spending limit

Opportunity to boost your credit rating

Saves time and energy through advanced technology

How do you know which credit card is best for your small business?

If you want to get the most out of your business credit card, you’ll need to consider different factors to determine which card is best for your business such as annual fee, perks & rewards, fee & interest rate, and your business payment habits. Besides, watch out if your business credit card charges for foreign transactions and offers any hiddenfeature that could save you money.

Fill out our easy application form and access the best business credit offers from 40+ lenders. You can compare among different cards before choosing the one that meets your business unique financial needs. Once you are qualified and approved, you will get the credit card approved as soon as in 24-48 hours.

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  • Who is eligible for a business credit card?
    • Business credit cards aren’t just limited to corporations. Even if you’re running a small business, working as a sole proprietor, or as a business owner with an LLC, have no office or a freelance gig or side hustle, you can likely apply for a business credit card. Basically, if you’re operating a business with the intent of making a profit, you’re eligible for a business credit card.
  • Can a Startup business qualify for a business credit card?
    • If you’ve just started your business and it doesn’t have a credit history yet, you can still apply. Many lenders review your personal credit report in this condition.
  • What are the qualification requirements for a business credit card?
    • Filling out an application form for a business credit card is fast and easy. Nevertheless, depending on the specific card and application, you’ll likely need some, if not all of the following to qualify for a business credit card:
    • 1. A full legal business name
    • 2. Business address and phone number
    • 3. Business history
    • 4. Type of business and your role
    • 5. Business entity or legal structure
    • 6. Number of employees
    • 7. Federal tax identification number
    • 8. Annual business revenue
    • 9. Estimated monthly spend
    • 10. Personal credit history and guarantee
  • How do business credit cards impact personal credit scores?
    • Unless small business owners default, most lenders don’t report business credit cards to their personal credit cards. However, business owners need to provide their personal credit history which credit card issuers will use to review owners’ credit scores and current debts.
  • Can a new startup qualify for a business credit card?
    • Though some of the lenders provide business credit cards for a new business, the majority of the issuers look at the owner’s personal credit when evaluating an application. If you’re in the small business for a while, you have to let the bank or Credit Card Company know how much revenue your business is bringing each year. You can put “0” if you’re a novice entrepreneur.
  • What amount of revenue a business should have to qualify for a business credit card?
    • There is no specific amount of revenue a business needs to have to qualify for a business credit card. As long as your personal income is sufficient to qualify, you can get a business credit card.
  • What you need to consider when choosing a business credit card?
    • Here are a few important things to watch out for with small business cards before selecting one:
    • 1. Is it a good value in terms of its annual fee?
    • 2. What are your business’ payment habits?
    • 3. How large is the signup bonus?
    • 4. Is your business credit card paying you cashback or other rewards on your purchase?
    • 5. Is your business credit card offers you any hidden perks that could save you money?
    • 6. Does your card charge for foreign transactions?
    • 7. What is the fee and interest rate of your business credit card?
    • 8. How the card provider does provide customer support?
  • What situations you can use business credit cards for?
    • A business credit card provides you the flexibility to use the money for a variety of expenses such as equipment, supplies, inventory, and more.
  • Why you should get a business credit card?
    • A business credit card is one of the most flexible funding options for small business owners. You can use it when you want or need it, and the approval is super fast and easy. It can help you build the credit score, bootstrap your new business, earn exciting rewards, and keep better control of employee spending. Moreover, business credit cards let you separate personal & business expenses, consolidate funding sources through balance transfers, and make larger purchases that you can’t purchase with your personal credit card.