Small Business Credit Cards

Updated 12 August 2019

Apply for a business credit card today to make the most of your cash flow, while taking advantage of handy tools, business features and rewards.

On this page, you will find a range of business credit cards designed to help your business with its day-to-day cash flow. Ranging from basic to complex, these cards can suit businesses of all sizes, with handy tools on offer that can help with business accounting, spend tracking and much more. It’s simply a case of finding the card that will best benefit your business.

Saving you precious time comparing the options, we have compiled a list of business cards that you can evaluate using our visual comparison tool. Assessing essential features such as annual fees, earn rates and bonus point offers, you can see how strong each feature is at a glance, simply by looking at how filled-in each circle is (or bar, if you’re on a mobile device).

From there, you can evaluate other essentials, such as purchase rate, interest free days, points capping and other features you may find useful. For full info on the card, click or tap to get the stats you need to know, as well as our review of the card in detail.

Deciding between a basic business credit card and one that offers more in the way of features is made easy. Look out for factors such as how many additional cardholders you can add to the account, how much each additional cardholder will cost, and whether you can track and limit each individual cardholder’s spend.

3 reviews

Apply by 25 Sep 19

More info
points earned over 12 months
1.25 points
16.77% Complete (success)
Qantas Frequent Flyer
120,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$450
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
N/A
-1% Complete (success)
Velocity Frequent Flyer
$249
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 28 Aug 19

More info
points earned over 12 months
2.25 points
16.77% Complete (success)
Amex Membership Rewards
150,000
points
16.77% Complete (success)
Amex Membership Rewards
$1,750
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 25 Sep 19

More info
points earned over 12 months
2 points
16.77% Complete (success)
Amex Membership Rewards
100,000
points
16.77% Complete (success)
Amex Membership Rewards
$395
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Amex Membership Rewards
N/A
-1% Complete (success)
Amex Membership Rewards
$109
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Amex Membership Rewards
N/A
-1% Complete (success)
Amex Membership Rewards
$169
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

Earn points on your business expenses

How many points could you earn from your business spending? Review how much you are likely to spend each month on your card(s). Big rewards are on offer including some massive bonus point deals.

What Are Business Credit Cards?

A business credit card is really quite self-explanatory, it is a credit card similar to a personal credit card that you use for business or work related purchases only, and to keep these separate from your personal credit card and expenses. Many business owners choose between a business credit card or a separate frequent flyer card to keep business expenses separate.

A business credit card opened in the name of the business, and multiple cards can be issued under the one business name. That means you must have a business with an ABN that is in good credit to apply for a business credit card. Understand the fees and charges that apply to changes you may want to make to the account by reading the terms and conditions before applying for any business credit card.

Statements will often be itemised specifically for GST and other tax purposes – but this can vary so check the terms and conditions of any card you are interested in. Another key thing to remember is that restrictions may apply on a business card, such as no ATM withdrawals or only certain purchases allowed.

How To Choose the best Business Credit Card?

A business credit card can also be a charge card, meaning there is no pre-defined spending limit, but transactions are approved based on the income and assets held by the business on an individual basis. Whether you want a pre-defined credit limit per card user or on the account as a whole is one of the first important decision you need to make before applying. You’ll also need to think about how many additional cards you want to have, fees and charges applicable and restrictions you want on the cards.

Whether or not the business deals in foreign imports etc, or whether and how membership rewards could be used will be important considerations when choosing rewards programs too. Think about the business and its needs as opposed to any personal credit card spending you do. They are completely separate.

How to Avoid the Biggest Mistakes?

When dealing with business credit cards it’s important to keep track of who is using a card and for what and monitor card use regularly via some internal system. At the same time only employees you trust and can keep in contact with should have access to a business credit card. Business credit cards are a great solution for business expenses but come with additional responsibility for whoever uses them and gives them out.

You’ll want to choose a card that you know is widely accepted, but consider whether one with an issuer such as American Express would provide better benefits per dollar spent and what you want to use the card for. Because business credit cards can be used to rack up rewards points, it’s important to think about your business spend and do a proper comparison before settling on one. While it is always a good idea to understand what your current bank offers, it won’t be providing the whole picture of the business credit card market, so it makes sense to view other offers.

If your business turns over more than $2 million annually, or has a number of employees, a corporate credit card could be more suitable so business owners in that position should check all of their options with the bank and in the market as well.

Recently Asked Questions

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26 questions (showing the latest 10 Q&As)

Cristian

Cristian

26 May 2019
Hi. I am looking for a comparison of 0% balance transfer business cards. Can you help? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2019
    Hi Cristian, unfortunately I do not know of any 0% balance transfer offers for business credit cards. I am not sure you can find one in the market. If you do have high business credit card debt. Then it may be worth moving it to a lower rate business loan if available. In the end, its about trying to reduce the interest you are paying if you cannot pay the debt fully down.
Claire

Claire

25 February 2019
Hi Roland, I have had a small business for 15 years. I have always used a personal credit card for the purchases that require one. There are, however an increasing number of purchases that would be more convenient to make with a credit card, so I have begun exploring business cards. My monthly expenditure would be $2000 to $3000 on average, and I am not overly concerned with interest rate as I intend to pay the full balance monthly. I am interested in a card that has as many benefits as possible, as I figure I might as well make the most of the process. Should I be looking for bonuses like travel insurance and payment protections? Are these worth it? Or am I better off looking for points based rewards programs? Do you have any recommendations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2019
    Hi Claire, the right features for you will depend on your usage. I like sign up bonus points as they really give you something to get your points flowing. Overseas travel insurance is a good feature when used. Many cards have this so it depends on whether this feature is make or break. AMEX delivers the highest points earning. So if you can use AMEX cards for your monthly spend then they could be a good option. I like earning Qantas points myself to redeem for flights or upgrades. Therefore I would select a card that delivers Qantas points. On AMEX, have a look at the Qantas Business Rewards Card. Its a charge card, rather than a credit card. You need to settle the amount each billing cycle but that is no problem as you pay the balance in full. A great range of features, nice bonus points and best in market earn rate per $1 spent. Outside have a look at NAB with the Qantas Business Signature. Reach out if neither of these cards suits or especially if you are not interested in earning Qantas points.
Peter

Peter

20 February 2019
I am running a business that has been in operation for a little over 20 years without any financial problems. Turnover is $500,000-$700,000 depending on which contracts are being fulfilled each year.I am now launching a new product that will require about $100,000 of expenditure over 3-6 months during the launch. Income to cover interest on payments to a a business credit card will start to come in after 2 months.Annual turnover on a credit card will be $300,000+.Previously I have used a Diners Card, but that requires full repayment every month, which I expect will not be possible over the next year, although expenditure will be kept in check to remain within the limits of the card.I would rather have a $100,000 loan, but they are very hard to come by without surety backing, such as my residence.I would be keen to hear your advice on a strategy for an appropriate Credit Card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2019
    Hi Peter, I am not sure what type of rewards you are interested in. Also if you can pay with an AMEX card no problem. Have a look at the NAB Qantas Business Signature. It has a maximum credit limit of $55,000. On the AMEX side the Business Explorer could work. Both of these are credit rather than charge cards. Would be great if you can pay off the balance in full each period to avoid interest but understand it will be tight for a while. Reach out with any further questions.
G

G

2 February 2019
Hi I’m a sole trader, have an ABN since few months but only starting business up now so income will start flowing in now. Want a CC to allow for fuel and other minor expenses esp to keep personal expenses separate from business. Looking for something with low or no annual fee and reward points for $spent. Plz help with some choices.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2019
    Hi G, I just don't think it will be possible to get approved for a business credit card with a new business like yours. The banks will want you trading for at least 12 months before considering your credit card application. It could be possible to apply for a personal credit card depending on your situation. Though you would then be personally liable for any debt.
Troy

Troy

30 October 2018
Hi, Im looking at getting a new credit card to use for business purchases. Do I have to get a business card or can it be any credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2018
    Hi Troy, many people spend on a personal card. The difference is that then you are personally liable for any debt rather than the business being liable on a business credit card. Some personal credit card rewards programs state they will not give points for business expenses. Though in practice many people are using personal cards and getting points on this type of spend. Bottom line you don't have to get a business card though if its exclusive business use then maybe its not a bad idea.
EVA

EVA

17 October 2018
hi, whats the best business credit card available for monthly purchases around 25-30k p/m Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2018
    Hi Eva, really it comes down to if or how much you can spend on an AMEX and what type of rewards you are after. On a non-AMEX side and earning Qantas points then I like the NAB Qantas Business Signature Credit Card. You can get 100k bonus Qantas points and decent Qantas points earning on your spend. It has a points cap at 50k a billing cycle which should be enough based on your spend. At 30k spend a month you would earn 20k Qantas points. Add in the 100k bonus points and you will be swimming in points pretty quickly. For an AMEX, again with Qantas points as the target. I like the American Express Qantas Business Rewards Card. Its a charge card rather than credit so you need to pay off in full each billing period. It has a great range of features and much better points earning. For a 30k spend you will earn 37,500 points. Nearly double that of the NAB credit card. I personally use a combination of a Visa/Mastercard and a seperate AMEX card to maximise points. I spend on the AMEX mainly and everywhere I can. Let me know neither of these cards work or if you don't want Qantas points but something else.
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