CreditGuard

Business Credit - Step 5
Business Credit Cards

Business Credit Cards

High-limit revolving credit without affecting your personal credit scores when structured correctly

Cards Obtained:

0 of 4

Personal Credit Reporting Notice

Some business credit cards report to both business and personal credit reporting agencies (Capital One Spark, for example). High balances on those cards can affect your personal credit utilization.

Recommended approach: begin with American Express and Chase Ink (business-only reporting), then add Capital One later for higher limits.

Your Business Credit Card Strategist

Ask about application timing, approval strategies, credit limit increases, and which cards to apply for based on your situation

Application Prerequisites
3-5 vendor tradelines reporting to D&B/Experian(Required)
90+ days of payment history(Required)
Personal credit score 680+ (700+ for Chase)(Required)
Business bank account with positive balance(Required)
Professional website and business email
Business phone number (not personal)

Business Credit Card Strategy

American Express Blue Business Cash
Tier 1 - Starter
Limit: $5,000 - $25,000Rewards: 2% cash back on first $50K/year

Reporting:

Business credit reporting agencies ONLY (does not affect personal credit utilization)

Requirements:

  • •Good personal credit (680+)
  • •Business checking account
  • •3+ vendor tradelines reporting
  • •90+ days business credit history

Advantages:

  • No personal credit reporting
  • High approval rate for new businesses
  • Competitive cash back rewards
  • No annual fee
Chase Ink Business Cash
Tier 1 - Starter
Limit: $3,000 - $25,000Rewards: 5% cash back on office supplies, internet, phone

Reporting:

Business credit reporting agencies ONLY

Requirements:

  • •Good personal credit (700+)
  • •2+ years in business preferred
  • •Business checking account
  • •5+ vendor tradelines

Advantages:

  • No personal credit reporting
  • Strong category bonuses
  • An existing Chase business banking relationship is beneficial
  • No annual fee
Capital One Spark Cash
Tier 2 - Growth
Limit: $5,000 - $50,000Rewards: 2% unlimited cash back

Reporting notice:

Both personal and business credit reporting agencies

Requirements:

  • •Good personal credit (690+)
  • •Established business revenue
  • •Multiple tradelines
  • •Strong payment history

Advantages:

  • Highest credit limits
  • Simple unlimited cash back
  • Efficient approval process

Considerations:

  • Reports to personal credit (affects utilization)
  • High utilization can lower your personal score
Brex Card
Tier 2 - Startup Friendly
Limit: Based on cash balance (dynamic)Rewards: Points on advertising, software, travel

Reporting:

Business credit reporting agencies ONLY

Requirements:

  • •No personal credit check
  • •Based on cash in bank
  • •Open to startups
  • •No revenue requirements

Advantages:

  • No personal guarantee required
  • No personal credit check
  • Well suited to funded startups
  • Dynamic limits based on cash

Considerations:

  • Requires significant cash balance
  • Charge card (pay in full monthly)