Builds your business credit file
Issuers report to the business credit bureaus. Twelve months of on-time payments opens doors to bigger lines and better term-loan rates.
Everyday spend that
builds business credit.
Get a business credit card with a limit from $5K to $100K, separate from your personal accounts, with rewards on the spending you already do.1 Many issuers we work with offer 0% intro APR for 9 to 12 months.2 Apply once, no impact to your credit score, and compare card offers side by side.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Estimate assumes a full balance repaid over 12 months at the standard APR. Balances paid in full each month accrue no interest.
Est. monthly payment$1,382
Illustrative terms18.99% APR · 12 mo
0%intro APR for 9 to 12 months on many cards we place
Pay for the new laptops or the trade-show booth over the year with no interest, then keep the card for everyday spend.
Separate the business.
Earn on every purchase.
A business credit card is often the first credit line a company opens. Here is what the cards we match you with deliver.
Rewards on real spend
1% to 3% back on fuel, software, shipping and advertising, or points you can put toward travel. We show the reward structure on each offer.
Employee cards with controls
Issue cards to staff with per-card limits and category blocks. Expenses land in one statement that syncs with your accounting software.
Card first, then everything else
Business credit starts with a paid-on-time card. Lenders look at your business credit file before they look at your bank statements. A card you pay in full each month is the fastest way to build one from nothing. Our guide shows the 12-month path.
How your business card comes together
Meadow & Pine Design Studio
$11,240 of of $15,000 limitAvailable credit
$3,760Current balance
Pay statement balance
Intro APR0% until Aug 2027
Rewards earned$184 this year
Statement dueOct 4
Employee cards3 active
- 1
Apply once
The same 15-minute application. Tell us your revenue, monthly spend and whether you carry a balance or pay in full.
- 2
Compare card offers
Your funding specialist shows the issuers that fit: limit, intro APR, ongoing APR, annual fee and rewards on one sheet.
- 3
Get approved and start spending
Most issuers decide within minutes to two days. Virtual card numbers are often available immediately; the physical card ships in a week.
Not sure which card
fits how you spend?
A card that rewards fuel is wasted on a software company. Your specialist matches the reward structure and APR to how your business actually spends and whether you carry a balance.
Book a callReal people, any day of the week
What owners say about their business cards
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsBusiness credit card questions, answered
Business card limits in our network run from $5,000 to $100,000. Issuers set the limit from your revenue, personal credit and existing debt. Most first cards land between $5K and $25K and can be raised after six months of on-time payments.
Many issuers we work with offer 0% intro APR on purchases for 9 to 12 months. After that, standard variable APRs range from about 17% to 27% depending on your credit. If you pay the statement balance in full each month, you pay no interest at all.
No. Business credit cards are available to sole proprietors, new LLCs and corporations. Issuers rely mostly on your personal credit for a first card, typically a score of 670 or higher, along with any revenue you can show.
Applying through FundLine does not affect your personal credit score. When you choose a card and submit to the issuer, they run a hard inquiry, which they disclose first. One inquiry has a small, temporary effect.
Most issuers report to the business credit bureaus. Some also report to your personal file, especially if the account becomes delinquent. Your specialist notes each issuer's reporting practice so you can choose knowingly.
Flat-rate cards pay 1.5% to 2% on everything. Category cards pay up to 3% or 5% on fuel, shipping, software, advertising or travel. Some cards pay points instead of cash. We match the structure to where your business spends most.
Many business cards have none. Higher-tier rewards cards charge $95 to $395 a year in exchange for richer earning and travel benefits. Your offers show the fee alongside the rewards so you can judge whether it pays for itself.
Yes. Most issuers provide additional cards at no charge with per-card spending limits, category restrictions and real-time alerts. All spend rolls into one statement and can sync to QuickBooks-style accounting software.
For small, recurring purchases and short-term needs under a 0% intro period, yes. For a large one-time investment or ongoing working capital, a term loan or line of credit is almost always cheaper once the intro period ends.
Issuers report your limit, balance and payment history to business bureaus each month. Paying on time and keeping the balance under 30% of the limit builds a file that lenders check when you apply for lines and term loans later.
Need more room than a card?
A business line of credit offers limits up to $500K with lower ongoing rates for larger working-capital needs.
Planning a bigger investment?
A term loan funds a build-out, acquisition or large order with a fixed rate and a predictable monthly payment.
Before you pick a card
Short reads on credit and everyday spend.
Guide
Building business credit
The 12-month path from first card to term-loan approval.
Read moreGuide
Business financing, explained
When a card is the right tool and when it isn't.
Read moreBlog
Which lenders fund businesses under two years old
Cards and other first-yes products for young companies.
Read moreOpen the card.
Start the credit file.
15-minute application. No impact to your credit score to compare offers. Many issuers decide within minutes.
- 1¹ Credit limits, rewards and fees vary by issuer and depend on your personal credit, business revenue and existing obligations. Not every applicant will qualify for the highest limit.
- 2² Introductory APR offers apply for a limited period and only to new purchases unless the issuer states otherwise; the standard variable APR applies afterward. Offers are subject to change by the issuer.
- 3³ Submitting an application to FundLine Capital does not affect your personal credit score. Submitting a card application to an issuer results in a hard credit inquiry, which the issuer discloses before you proceed.