Find the perfect card for your business
BHG Money offers credit cards designed to fit all your professional needs
BHG WORLD ELITE Mastercard®
Intro Offer
Earn a $500 cash back bonus with $10,000 spend in the first 90 days3
BHG WORLD ELITE Mastercard®
Wherever you want to take your business, the BHG WORLD ELITE Mastercard can get you there
  • Annual Fee: $195 (waived first year)
  • Intro APR: 0% for 6 months on balance transfer made in the first 60 days—after that, a variable APR of 16.99% to 26.99% will apply based on creditworthiness
  • Cash Back: Up to 3% on select purchases1,2
Apply Now View Details
BHG MORE Business Mastercard®
Intro Offer
Earn a $100 cash back bonus with $3,000 spend in the first 90 days3
BHG MORE Business Mastercard®
Earn more from your business expenses with an enhanced cash back program
  • Annual Fee: None
  • Intro APR: 0% for 12 months on balance transfer made in the first 60 days—after that, a variable APR of 16.99% to 26.99% will apply based on creditworthiness
  • Cash Back: Up to 2% on select purchases1,2
Apply Now View Details
BHG POWER Business Mastercard®
BHG POWER Business Mastercard®
Enjoy more affordable monthly payments with our lowest APR card
  • Annual Fee: None*
  • Intro APR: 0%* on purchases and balance transfers for 6 months—after that, a variable APR of 12.99% to 22.99% will apply based on creditworthiness
  • Low Monthly Payments: Our lowest APR card after your introductory period
Apply Now View Details

Understanding Business Credit Cards

  • How do I choose a business credit card?
    Choose the card that best meets your needs as a business owner. Think through what expenses you have, what are your spending patterns, are you needing to purchase new equipment, etc. Also, evaluate which benefits and features make sense for you and your business. Are you looking for cash back? Do you need to transfer balances from another card? Will you need travel services? These factors go into the decision when choosing the best business card for you.

    A business credit card is a credit card intended for a business rather than for an individual’s personal use. Business credit cards are available to businesses of all sizes and can help them build a credit profile to improve future borrowing terms.
  • How do business credit cards work?
    A business credit card works by giving you a credit line which you can use to make purchases for your business and cover business expenses.

    Business credit cards are offered by a wide range of lending institutions. The process for applying is similar to a standard credit card application. Generally, business credit cards are easier to apply for than non-revolving business loans since the process is usually automated, with an immediate credit decision.
  • Do business credit cards affect personal credit?
    To qualify for a business credit card, your credit history and score will be reviewed. If you fall behind in payments, it may affect your personal credit.
  • What do you need to qualify for a business credit card?
    To apply for a business credit card you’ll need to have proof of an established business. Given you are personally liable for the debt, you will want to make sure you have the means to pay it back.
  • Will my credit score affect me getting a business credit card?
    Your personal credit history will be a factor in terms of whether you are approved for a business card.
  • What is the best credit card for a small business?
    The best credit card for a small business is the one that will meet your needs now and as you grow. Choose the card that best meets your needs as a business owner. Do you need support in tracking employee spending? Managing employee expenses? Are you needing to purchase new equipment, etc. Evaluate which benefits and features make sense for you and your business. All of these factors go into the decision when choosing the best business card for you.
  • What is the best card for my LLC?
    The best credit card for a small business is the one that will meet your needs now and as you grow. Choose the card that best meets your needs as a business owner. Do you need support in tracking employee spending, managing employee expenses, or do you need to purchase new equipment, etc.? Evaluate which benefits and features make sense for you and your business. These factors go into the decision when choosing the best business card for you.
  • Can I use my EIN to get a credit card?
    If you have an EIN for your business, that card will be associated with that business. But we will still require a Social Security number to complete an application.
  • What is the easiest business credit card to get?
    Many factors influence the ease of obtaining a business credit card.

1We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 point per dollar spent as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards cash back.

2For BHG MORE Business Mastercard, 2% cash back per $1 spent on office supplies and business services; and 1% cash back per $1 spent on all other purchases. For BHG WORLD ELITE Mastercard, 3% cash back per $1 spent on office supplies and business services; 2% cash back per $1 spent on dining and travel: airlines, hotels, Uber and Lyft; and 1% cash back per $1 spent on all other purchases. For BHG MORE Mastercard, 2% cash back per $1 spent on gas, groceries, charitable and social service organizations; and 1% cash back per $1 spent on all other purchases. For BHG WORLD Mastercard, 3% cash back per $1 spent on dining and charitable and social service organizations; 2% cash back per $1 spent on travel: airlines, hotels, Uber and Lyft; and 1% cash back per $1 spent on all other purchases. For details on Rewards Program, please visit https://bhg-cdn.azureedge.net/pdf/Rewards_Program_Agreement.pdf. Rewards options are subject to change without notice.

3The Rewards Bonus period begins on the date your account is approved and ends 90 days later.

Subject to credit approval. Ask for details.

The BHG Mastercard® is issued by Blue Ridge Bank, N.A. pursuant to a license by Mastercard International. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.