|
|
You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. |
No Rewards
The Ramp Business Card does not offer rewards on purchases.
N/A
$0
N/A
No Credit History
1.5% Reward Rate
Earn 1.5% cash back on every purchase
N/A
$0
27.49% variable APR
Bad/Poor (0 - 649)
The Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card* is a rewarding option despite its security deposit requirement.
Why We Like It
The Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card* offers a handful of travel insurance benefits, including up to $100,000 travel accident coverage, emergency ticket replacement, lost luggage assistance, auto rental insurance and more. Cardholders also earn 1.5% cash back on all purchases and have access to flexible redemption options.
These benefits are excellent for a secured card and stack on top of protections like extended warranty coverage and standard convenience benefits like credit score access and Quickbooks-compatible transaction record downloads.
What We Don’t Like
Those who often travel internationally for business should be aware that this card charges a foreign transaction fee of 3% of the U.S. dollar amount of each transaction.
Who It’s Best For
For businesses looking to build credit from scratch, the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card* and its reward rate are worth considering.
Earn up to 3,000,000 points
$0
N/A
Excellent, Good (700 - 749)
The SVB Innovator Card* is a great way to earn unlimited points on purchases that can be redeemed in a variety of ways. It is a charge card, so you will need the capital to pay off those purchases in full each month, but you can access high credit limits without personal liability.
Why We Like It
Cardholders can earn 3 points per dollar on all purchases for the first six months from account opening or up to $1 million spend and 3,000,000 points earned, offer expires 7/31/2025. After that, you’ll earn an unlimited 2 points per dollar on purchases. You can redeem points as statement credit, travel or for products with your favorite brands.
Business owners can access the SVB Travel and Expense Management System at no additional cost. With the management platform, you can control physical and virtual card spending for employee stipends and travel, procurement and payables, and automate workflows. The card charges no annual fee and no foreign transaction fees, so you can use the it abroad without incurring additional charges.
What We Don’t Like
As a charge card, you’ll have to pay off your balance in full every month. However, this means you won’t have to worry about paying interest on your purchases. If you frequently utilize virtual cards, you’ll earn just one point per dollar and leave money on the table.
Who It’s Best For
Business owners with an established relationship with SVB and looking to maximize earnings can find immense value in the SVB Innovator Card*.
No Rewards
The Ramp Business Card does not offer rewards on purchases.
N/A
$0
N/A
No Credit History
The Ramp Business Card is a corporate card that offers a flat rewards rate on all purchases. It also offers access to more than $350,000 in partner rewards.
Why We Like It
The Ramp Business Card offers credit limits as much as 20 times what you can expect from traditional business credit cards. You’ll get full control over any card listed on the account, and you can pay your bill within 30, 60 or 90 days without any additional requirements. There’s also no credit check or personal guarantee required, when you apply.
Plus, partner rewards including discounts, sign-up offers and deals with major business service providers like Gusto, QuickBooks, 1Password, UPS, Stripe, Amazon Web Services, HubSpot, Asana and many more.
What We Don’t Like
The card isn’t available to individuals, sole proprietors or unregistered businesses. You also need to be registered in the U.S., have most of your operations and spending in the country, as well maintain a minimum of $25,000 in cash in a U.S. business bank account linked to your application.
Who It’s Best For
Medium to large businesses that have high liquidity and want to issue employee cards with spending controls will get the most from the Ramp Business Card.
Up to 7X Reward Rate
Get higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7xRead More
Earn up to 20,000 points
$0
N/A
No Credit Check
The Brex Card* is a corporate card that offers valuable expense management tools for startups. Credit limits can be 10 to 20 times the standard for other small business credit cards.
Why We Like It
The Brex Card* offers impressive rewards on a variety of expenses, including things like rideshare, travel, dining, software subscriptions and more. You can even increase the card’s already high rewards rates when you’re set up to make daily payments on your account.
It also allows you to instantly create purchase cards for employees, set limits and expiration dates for payments to vendors, provide employee cards in more than 20 local currencies and more.
What We Don’t Like
There’s no personal credit check or personal guarantee when you apply for the Brex Card*, but you need to be incorporated in the U.S. If you want monthly payments instead of daily payments, you’ll need at least $50,000 in cash, though some businesses may qualify at a lower threshold if they’ve been referred by a Brex partner.
Who It’s Best For
Companies with a $50,000 minimum cash balance that want to earn rewards and issue employee cards for business spending will do well with the Brex Card*.
*The information for the following card(s) has been collected independently by Forbes Advisor: Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card, SVB Innovator Card, Brex Card. The card details on this page have not been reviewed or provided by the card issuer.
