A curated selection of business credit cards tailored for startups with under $50k in annual revenue, focusing on minimal annual fees, generous intro APR periods, and flexible qualification criteria for new businesses.
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Offers 2% cash back on the first $50,000 in purchases per calendar year at U.S. service providers and on wireless telephone services used for business purposes. It carries a $0 annual fee and is designed for businesses seeking straightforward rewards without complex tiered structures.
Allows business owners to select their 3% cash back category (gas stations, office supply stores, or internet/cable/phone services) with no annual fee. It provides 1% cash back on all other purchases, making it ideal for startups with predictable overhead costs.
Features a $0 annual fee and introductory 0% interest for the first 12 months on purchases and balance transfers. This card is suitable for startups looking to preserve cash flow during the initial growth phase without paying annual maintenance costs.
Delivers 5% cash back on the first $25,000 spent in combined purchases each year in specific categories like office supplies, internet/cable, and advertising. It has a $0 annual fee, though it requires a strong personal credit score for approval due to its competitive rewards structure.
Provides unlimited 2% cash back on all purchases with no annual fee for the first year, after which a $95 fee applies. It is designed for businesses that want simplicity and predictability in their rewards, avoiding complex category rotations or spending caps.
Offers 3% cash back in the category of choice (gas stations, restaurants, or travel) and 2% at wholesale clubs and on wireless telephone services, all with no annual fee. This flexibility helps early-stage companies maximize returns on variable operational expenses.
Allows selection of two 5% categories (up to $50,000 in combined purchases each quarter) with 1% back on other purchases. It has no annual fee, making it an excellent tool for startups with fluctuating monthly expenses in areas like software subscriptions or office supplies.
Features 5% cash back on rotating quarterly categories (up to $1,500 in purchases each quarter) and 1% on all other purchases, with the first-year cash-back match bonus. It carries a $0 annual fee and includes free FICO Business Score access, ideal for monitoring credit health.
Earns 3% cash back in the category of choice (gas, dining, office supplies, internet/cable, wireless, or travel) with a $0 annual fee. It is specifically beneficial for startups that are PNC customers, offering seamless integration with business banking accounts.
Offers unlimited 1.5 miles per dollar on all purchases with no annual fee for the first year, followed by a $95 fee. This card is well-suited for startups that prefer redeeming miles for travel or general statement credits without needing to track spending categories.
Provides 1.5 points per dollar on the first $150,000 in purchases each year with no annual fee. It is designed for startups that prioritize a flat rewards rate over complex categories, simplifying the process of tracking and redeeming earnings.
Delivers 3% cash back in the chosen category and 2% at wholesale clubs and wireless telephone services, with no annual fee. It includes robust expense management tools and reporting features, helping early-stage teams track spending efficiently.
While it has a $95 annual fee, it offers 3 points per dollar on travel, shipping purchases, internet/cable/phone services, and advertising. This card is included as a high-value option for startups with higher marketing budgets, provided the rewards offset the fee.
Designed for startups with limited or no business credit history, this card carries a $0 annual fee and requires a security deposit to set the credit limit. It is a strategic tool for building business credit profiles before transitioning to no-deposit cards.
Offers 2% cash back on all purchases with the first $50,000 spent each calendar year, with no annual fee. It allows up to 100 additional cardmembers at no extra cost, making it ideal for growing startups that need to issue cards to multiple employees.
Provides 2% cash back on all purchases (1% when you buy, 1% when you pay) with no annual fee. This straightforward structure is perfect for startups that want to avoid category restrictions and ensure consistent rewards on all operational expenditures.
Features 2x points on the first $150,000 in purchases and includes a $0 annual fee for the first year, followed by a higher fee. It offers travel and purchase protections, appealing to startups that frequently travel or make large equipment purchases.
A secured option offering 3% cash back in the chosen category for businesses with credit challenges. It has no annual fee and helps build business credit while providing cash rewards, ensuring financial progress even with lower initial revenue.
Earns 2% cash back on the first $50,000 in combined purchases each year across all categories with no annual fee. This card simplifies rewards for startups that prefer a uniform return rate rather than managing multiple category rotations.
Offers 2% cash back on the first $50,000 in combined purchases each year with no annual fee. It is tailored for startups seeking a simple, no-hassle rewards structure that rewards consistent spending without requiring category selection or tracking.