Are you looking for a Discover business credit card?
The Very Best Discover Business Credit Card
We looked into lots of corporate credit cards for you, to find the best Discover business credit card. So, here are our choices.
Per the SBA, company credit card limits are a whopping 10 – 100 times that of personal credit cards!
This reveals you can get a great deal more money with company credit cards. And it likewise reveals you can have personal credit cards at stores. So, you would now have an additional card at the same stores for your small business.
And you will not need collateral, cash flow, or financials to get business credit.
Discover Business Credit Card Benefits
Benefits can vary. So, make certain to pick the benefit you would prefer from this choice of alternatives.
A Discover Business Credit Card and More Cards for Cash Back
Here is a great Discover business credit card and some similar cards from other providers, so you can make a reasonable comparison.
Flat-Rate Rewards and No Annual Cost
Discover it® Business Card
Check out the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for twelve months. After that the regular APR is a variable 14.49 – 22.49%.
Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.
You can download transactions| quickly to Quicken, QuickBooks, and Excel. Note: you will need good to outstanding credit scores to get this Discover business credit card.
https://www.discover.com/credit-cards/business/
Flat-Rate Rewards
Capital One ® Spark® Cash for Business
Have a look at the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the first year. Afterwards, this card costs $95 annually. There is no introductory APR offer. The regular APR is a variable 18.49%.
You can get a $500 one-time cash bonus after spending $4,000 in the initial three months from account opening. Get unlimited 2% cash back. Redeem at any time with no minimums.
You will need good to superb credit to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Bonus Categories
Ink Business Cash℠ Credit Card
Check out the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first three months from account opening.
You can get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.
You will need exceptional credit scores to get approval for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF
Boosted Cash Back Categories
Bank of America® Business Advantage Cash Rewards MasterCard® credit card
Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no yearly fee. You can get a $300 statement credit offer.
Get 3% cash back in the category of your choice. So these are filling stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. Then earn 1% after, with no limits.
You will need superb credit to qualify.
Find it here: https://promo.bankofamerica.com/smallbusinesscards2/
An Alternative to a Discover Business Credit Card: Company Credit Cards with a 0% Introductory APR – Pay Zero!
These cards have another feature similar to the Discover business credit card rated above.
Blue Business® Plus Credit Card from American Express
Have a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. After that, the APR is a variable 14.74 – 20.74%.
Get double Membership Rewards® points on day to day business purchases like office supplies or client dinners for the first $50,000 spent each year. Get 1 point per dollar afterwards.
You will need good to outstanding credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/
American Express® Blue Business Cash Card
Also take a look at the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash rather than points.
Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. Then get 1%.
It has no yearly fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%. So, the APR is comparable to that of the Discover business credit card.
You will need great to superb credit scores to qualify.
Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/
Here are a few more great business credit cards with different features which may also be of interest.
Secure Business Credit Cards for Fair Credit Scores
Capital One® Spark® Classic for Business
Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, without any minimum to redeem.
While this card is within reach if you have average credit, beware of the APR. However if you can pay in a timely manner, and in full, then it’s a bargain.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Outstanding Business Credit Cards with No Annual Fee
No Yearly Fee/Flat Rate Cash Back
Ink Business Unlimited℠ Credit Card
Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.
You can get unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need excellent credit to get approval for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited
Unbeatable Cards for Jackpot Rewards That Never Expire
Capital One® Spark® Cash Select for Business
Take a look at the Capital One® Spark® Cash Select for Business. It has no annual fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. And get a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the initial three months. Rewards never expire.
Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.
You will need great to superb credit scores to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Small Business Credit Cards for Luxurious Travel Points: Alternatives to the Best Discover Business Credit Card
Flat-rate Travel Rewards
Capital One® Spark® Miles for Business
Take a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.
This card is wonderful for travel if your expenditures don’t fall into standard bonus categories. You can get unlimited double miles on all purchases, without limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.
Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you just get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction fee. You will need a good to outstanding FICO rating to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Bonus Travel Categories with a Sign-Up Offer
Ink Business Preferred℠ Credit Card
For a terrific sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.
Pay a yearly fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.
Get 100,000 bonus points after spending $15,000 in the first 3 months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.
Get three points per dollar of the initial $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.
You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a great to excellent FICO score to qualify.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
No Annual Fee
Bank of America® Business Advantage Travel Rewards World MasterCard® credit card
For no yearly fee while still getting travel rewards, check out this card from Bank of America. It has no annual fee and a 0% introductory APR for purchases during the initial 9 billing cycles. Afterwards, its regular APR is 13.74 – 23.74% variable.
You can earn 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Get unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.
Likewise get 3 points per every dollar spent when you reserve your travel (car, hotel, airline) with the Bank of America® Travel Center. There is no limit to the number of points you can earn and points don’t expire.
You will need outstanding credit scores to get this one (as in, 700s or better).
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
Hotel Credit Card
Marriott Bonvoy Business™ American Express® Card
Take a look at the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to outstanding credit scores to get this card.
Points
You can get 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the first 3 months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and filling stations. And you can get 4x the points on wireless telephone services bought straight from American providers and on American purchases for shipping.
Get double points on all other eligible purchases.
Rewards
Plus, you get a free night every year after your card anniversary. And you can get one more free night after you spend $60,000 on your card in a calendar year.
You get Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on qualified purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.
Also, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/
The Best Discover Business Credit Card for You
Your straight-out best Discover business credit card will depend upon your credit report and ratings.
Only you can select which features you want and need. So, ensure to do your research. What is exceptional for you could be devastating for another person.
And, as always, make sure to establish credit in the advised order for the best, fastest benefits.
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