{"schema":"mcafax.business-credit-cards.v1","as_of":"2026-10-27","cards":[{"id":"chase-ink-business-unlimited","issuer":"Chase","name":"Ink Business Unlimited Credit Card","annual_fee":"$0","intro_apr":"0% intro APR for 12 months from account opening on purchases.","purchase_apr":"16.99% to 24.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.","rewards":"Unlimited 1.5% cash back on every purchase. $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card or any other Chase for Business card with a $0 annual fee.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://creditcards.chase.com/business-credit-cards/ink/unlimited","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63749.html","checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"chase-ink-business-cash","issuer":"Chase","name":"Ink Business Cash Credit Card","annual_fee":"$0","intro_apr":"0% intro APR for 12 months from account opening on purchases.","purchase_apr":"16.99% to 24.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.","rewards":"5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. 1% cash back on all other purchases. $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card or any other Chase for Business card with a $0 annual fee.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://creditcards.chase.com/business-credit-cards/ink/cash","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63827.html","checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"amex-blue-business-plus","issuer":"American Express","name":"Blue Business Plus Credit Card","annual_fee":"$0","intro_apr":"0% introductory APR on purchases for the first 12 months from the date of account opening.","purchase_apr":"After the intro period, 16.99% (Prime Rate + 9.99%) to 28.74% (Prime Rate + 21.74%), based on creditworthiness and other factors as determined at account opening. This APR varies with the market based on the Prime Rate. Variable APRs will not exceed 29.99%. The issuer listed variable APRs as accurate as of 2026-10-27.","rewards":"2X Membership Rewards points on the first $50,000 of eligible purchases per calendar year, then 1X points. Eligible purchases on AmexTravel.com also earn 2X points and do not count toward the $50,000.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":true,"source_url":"https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/","terms_url":"https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/bluebusinessplus-credit-card/45094-9-0?key=tncBody&rwdFlag=rwd","checked_at":"2026-10-27","affiliate_url":"","notes":"The applicant, as an individual and the authorizing officer, agrees to be jointly and severally liable with the company for all charges to the account."},{"id":"bofa-platinum-plus-business","issuer":"Bank of America","name":"Platinum Plus Mastercard Business","annual_fee":"$0","intro_apr":"0% introductory APR on purchases for the first 15 billing cycles.","purchase_apr":"After the intro APR offer ends, a variable APR currently 14.99% to 25.99%.","rewards":null,"credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://business.bankofamerica.com/en/credit-cards/low-interest","terms_url":null,"checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"chase-ink-business-preferred","issuer":"Chase","name":"Ink Business Preferred Credit Card","annual_fee":"$95","intro_apr":null,"purchase_apr":"17.99% to 26.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.","rewards":"3 points per $1 on the first $150,000 spent in combined purchases each account anniversary year on shipping, advertising purchases made with social media sites and search engines, internet, cable and phone services, and travel. 1 point per $1 on all other purchases. 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://creditcards.chase.com/business-credit-cards/ink/business-preferred","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63764.html","checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"chase-ink-business-premier","issuer":"Chase","name":"Ink Business Premier Credit Card","annual_fee":"$195","intro_apr":null,"purchase_apr":"Flex for Business variable APR 17.99% to 28.74%, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.","rewards":"2.5% cash back on every purchase of $5,000 or more. 2% cash back on all other purchases. 5% cash back on travel purchased through Chase Travel. $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. The new cardmember bonus may not be available if you have ever had this card.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://creditcards.chase.com/business-credit-cards/ink/premier","terms_url":"https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC63834.html","checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"amex-business-gold","issuer":"American Express","name":"Business Gold Card","annual_fee":"$375","intro_apr":null,"purchase_apr":"Pay Over Time APR 17.99% (Prime Rate + 10.99%) to 28.74% (Prime Rate + 21.74%), based on creditworthiness and other factors as determined at account opening. This APR varies with the market based on the Prime Rate.","rewards":"4X Membership Rewards points on the top 2 categories where the business spends the most each billing cycle, on the first $150,000 in combined purchases each calendar year, then 1X. The 6 categories are U.S. media providers for advertising in select media (online, TV, radio); U.S. electronic goods retailers and software and cloud system providers; U.S. restaurants, including takeout and delivery; U.S. gas stations; transit (trains, taxicabs, rideshare, ferries, tolls, parking, buses, and subways); and monthly wireless telephone service charges from a U.S. provider. 3X points on flights and prepaid hotels booked on AmexTravel.com. 1X points on other eligible purchases. Effective February 17, 2027, select merchants only for some of those categories.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":true,"source_url":"https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/","terms_url":"https://www.americanexpress.com/en-us/credit-cards/apply/terms/business/prospect/businessgold-card/45094-9-0?key=tncBody&rwdFlag=rwd","checked_at":"2026-10-27","affiliate_url":"","notes":"The rates and fees page lists a Pay Over Time APR and does not list an introductory purchase APR. The applicant agrees to be jointly and severally liable with the company for all charges."},{"id":"capital-one-spark-cash","issuer":"Capital One","name":"Spark Cash","annual_fee":"$0 for the first year, then $95","intro_apr":null,"purchase_apr":"24.74% variable","rewards":"Unlimited 2% cash back on every purchase. $1,000 cash bonus when you spend $10,000 in the first 3 months. 5% cash back on hotels and rental cars booked through Capital One Business Travel.","credit_needed":"Excellent","reports_to_personal":null,"personal_guarantee":null,"source_url":"https://www.capitalone.com/small-business/credit-cards/spark-cash/","terms_url":null,"checked_at":"2026-10-27","affiliate_url":"","notes":null},{"id":"capital-one-spark-cash-plus","issuer":"Capital One","name":"Spark Cash Plus","annual_fee":"$150. Refunded each year you spend at least $150,000.","intro_apr":null,"purchase_apr":null,"rewards":"Unlimited 2% cash back on every purchase. $2,000 cash bonus when you spend $30,000 in the first 3 months. An additional $2,000 bonus for every $500,000 spent in the first year. 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.","credit_needed":"Excellent","reports_to_personal":null,"personal_guarantee":null,"source_url":"https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/","terms_url":null,"checked_at":"2026-10-27","affiliate_url":"","notes":"The page says the card is designed to be paid in full, with an option to carry over a portion of the balance with interest. It did not state a purchase APR or an intro APR."},{"id":"bofa-business-advantage-unlimited-cash","issuer":"Bank of America","name":"Business Advantage Unlimited Cash Rewards Mastercard","annual_fee":"$0","intro_apr":null,"purchase_apr":null,"rewards":"Unlimited 1.5% cash back on purchases. If you have a Bank of America business checking account and qualify for Preferred Rewards for Business Platinum Honors, the page states up to an unlimited 2.62% cash back.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://business.bankofamerica.com/en/credit-cards/business-advantage-unlimited-cash-rewards","terms_url":null,"checked_at":"2026-10-27","affiliate_url":"","notes":"The page named an introductory APR offer and a $500 cash rewards bonus offer. The intro APR percent, the number of billing cycles, and the bonus spend requirement were blank on the page."},{"id":"bofa-business-advantage-customized-cash","issuer":"Bank of America","name":"Business Advantage Customized Cash Rewards Mastercard","annual_fee":"$0","intro_apr":null,"purchase_apr":null,"rewards":"3% cash back in the category of your choice and 2% cash back on dining purchases, on the first $50,000 in those combined purchases each calendar year, then 1%. 1% cash back on all other purchases.","credit_needed":null,"reports_to_personal":null,"personal_guarantee":null,"source_url":"https://business.bankofamerica.com/en/credit-cards/cash-back","terms_url":null,"checked_at":"2026-10-27","affiliate_url":"","notes":"Read in the Customized Cash Rewards section of the Bank of America business cash-back page. That section named an introductory APR offer and a $500 cash rewards bonus offer. The intro APR percent, the number of billing cycles, and the bonus spend requirement were blank on the page."}],"last_refreshed":"2026-10-27","cadence":"30 9 * * *"}