What business cards cost, what drives those costs and how the main card types compare.
This section covers the money side of business credit cards: interest rates, annual fees, foreign transaction fees, late fees and the value of rewards. You will see how a card's cost depends on whether you pay in full every month, how many employee cards you issue and where you spend, and why a card with a high annual fee can still be the cheaper option for one business and a poor deal for another.
Start with the cost overview, then read the comparison of card types (credit cards, charge cards, secured cards, corporate cards and alternatives such as lines of credit). The rewards and interest guides each link to a calculator so you can test your own numbers.
All figures in these guides are illustrative examples unless a source is named. Rates and fees change often and differ by applicant, so confirm every number in the issuer's written terms before you apply.
Costs and Comparison
How interest is calculated on business credit cards, how grace periods work, what happens when a 0% APR offer ends, and how to plan a payoff with a worked example.
Costs and Comparison
Compare business credit cards, charge cards, secured cards, 0% APR cards, corporate cards and alternatives by structure, cost and risk so you pick the right type.
Costs and Comparison
A plain-English guide to what a business credit card costs: APR, annual fees, foreign transaction fees, late fees and how to tell which ones apply to you.
Costs and Comparison
Practical ways to cut the cost of business credit cards: match the card to your spending, avoid interest and fees, negotiate, time applications and review cards each year.
Costs and Comparison
A step-by-step method to compare cash back, points and annual fees on a business credit card, with worked examples and the traps that make rewards look better than they are.
Costs and Comparison
Credit profile, spending habits, card type and payment behavior all change what a business card costs. Learn which factors you control and which you do not.
