7 Best Business Credit Cards for Entrepreneurs (List)

The best business credit card Using it is one of the right things an entrepreneur wants to do. Business owners starting a new venture often prefer flexible payment options and a low-fee card.

business credit cardare cards issued by banks only for legal entities and require certain responsibilities. Individual companies, limited companies and joint stock companies can benefit from these cards.

The conditions required for sole proprietorships to obtain a commercial card are easier compared to the other two types of companies. However, in terms of limits, a narrower range of action is allocated to sole proprietorships.

In this article, I've ranked the 7 best business credit cards for beginners based on approval rates, flexibility of payment plans, new sign-up bonuses, fees associated with each card, customer service options, and more.

Keep reading to learn more.

What Are the Best Business Credit Cards for Business Owners?

1. Maximum Company Credit Card

Maximum Company Credit Card is always with you for all your company expenses, whether in the country or abroad.

With Maximum Business Card, you can make installments for your purchases from Maximum member institutions exceeding 300.000, earn MaxiPoints from your purchases and use the points you earn.

Where can you use Maximum Business Credit Card?

You can use your Maximum Business Credit Card for all your company needs, including business travel, accommodation, fuel purchases, as well as product and service purchases.

You can make transactions with your card at any point bearing the Visa, MasterCard or Troy logo in Turkey and the Visa, MasterCard or Discover logo (for our Troy brand cards) abroad.

What are the advantages of Maximum Business Credit Card?

• You can take advantage of installments up to 18 months at Maximum member businesses, including mobile phone, fuel and food sectors, where installments cannot be made, and you can earn MaxiPoints from these purchases.
• If you wish, you can postpone your entire bank statement debt up to 3 months without having to pay the minimum payment amount, or you can pay the minimum amount and pay your remaining bank statement debt in installments up to 3 months.
• By shopping in cash from your supplier, you can pay in installments up to 18 months with appropriate interest rates, and you can create a payment plan suitable for your company.
• You can defer your cash payments up to 3 months, in other words, you can postpone your cash payments up to 3 months.
• You can withdraw cash advances 7/24 from your cards authorized for cash withdrawal from ATMs with the Visa, MasterCard or Discover logo (for our Troy brand cards) worldwide.
• In periods when your cash needs increase, you can meet your cash needs instantly with terms of up to 18 months by using the Cash Advance in Installments feature.
• You can add additional installments up to 16 installments to the installment transactions made with your credit card.
• You can make installments for your cash advance transactions that you perform through our Bank or other Bank channels.
• You can shop securely with 3D Secure for your spending on e-commerce sites.
• You can benefit from Shopping Insurance at no additional cost.
• Maximum Business cards can have contactless features. With your Contactless Maximum Business card, you can do the transactions below the 350 TL limit without entering the card password, and the transactions over 350 TL by entering the password.
• You can benefit from company-based or general campaign opportunities organized with the leading companies of the sector every month, and can participate in company credit card campaigns. here .

What is the minimum payment amount of Maximum Business Credit Card?

Maximum Business Credit Card minimum payment amount is your account statement debt. is 10%. For Maximum Business Credit Cards produced by branches operating in the TRNC, the minimum payment amount is 1% of your bank statement debt. The minimum payment amount for İşbank Dealer Cards is the account statement amount. 50% offor İmece Cards %100 is implemented as Due to these features, it is included in the list of the best commercial credit cards.

2. Garanti Bonus Business

With Bonus Business, you can take advantage of additional opportunities specific to your company and easily control your expenses. You can make installments on your purchases at more than 240.000 Bonus member businesses, earn bonuses from your purchases, and shop for free with the bonus you earn. Due to these features, it is included in the list of the best commercial credit cards.

• You can make 18 installments in your fuel, food, office supplies, mobile phone expenses and all other sectors where personal credit cards cannot make installments.
• The minimum amount you have to pay is only 10% of the statement debt.
• Even if less than the minimum payment amount of your debt is paid, your card will not be closed for cash withdrawal, you can withdraw cash.
• We can issue commercial cards to our customers, for whom we cannot issue individual credit cards from our bank due to the total credit card limit in other banks.
• You can issue expense invoices on behalf of the company.
• No 15% RUSF is charged on any running interest amount. (except for simplified tax customers)
• With your accumulated bonuses, you can shop for free at any time from the following points.
• You can collect your accumulated bonuses in a single card.
• You can define sector-based limit for your card.
• You can place an automatic payment order for regular expenses such as OGS payments, Turkcell mobile phone bills, without additional costs.
• Thanks to the “tap and go” feature of Bonus Business, you can make your daily small purchases quickly and easily without worrying about coins. At all points with a Trink reader, you can perform your transactions of 350 TL or less without the need for a password and signature.

3. Halkbank Paraf Commercial Credit Card

Paraf SME has the chance to benefit from special products and campaigns and earn ParafPara while safely arranging your cash flow!

If you need cash, you can easily withdraw cash from all Halkbank ATMs by combining your Paraf SME card with your Dost Account. Due to these features, it is included in the list of the best commercial credit cards.

• With the Halkbank Paraf tradesman card, you are offered a special discount or plus installments on any 1 day of the month.
• These possibilities; It can be determined as 2 months postponement, 5% discount, 4 installments, 5 times ParafMoney winning.
• With your Paraf Tradesman credit card, you can benefit from a total of 100 TL discount every month for your purchases over 25 TL from member businesses.
• You can access your dest account (additional account) opened exclusively for tradesmen with your credit card and withdraw cash whenever you want.
• 1,98-month maturity with a certain monthly interest rate (18%) cash advance in installments you can use.
• You can pay your cash expenses between 300 TL and 50 thousand TL in installments up to 12 months later.
• You can earn ParafPara for your spendings.
• Every Initial Coin you earn 1 TL is worth.
• All bill payments of your workplace or home You can pay automatically with a paraf artisan card..

4. Axess Business

With Akbank's Axess Business product, which is preferred by more and more operators every day, it is possible to have a commercial credit card tailored to the needs of the company.

Thanks to this card:

• For fuel, food, mobile phone and derivative personal credit cards, 9 installments can be used for prohibited expenditures,
• All opportunities offered by Akbank's advantageous world can be accessed and opportunities such as bypassing statements can be used.
• You can create an additional card for your card and use these additional cards to track your expenses with other companies you have regular relations with.

The features of Axess Business are not limited to this. Additional opportunities and advantages can be created in line with the needs of the business, especially Chip-money. It will be necessary to go to any of the Akbank branches to get an offer on what can be done. Due to these features, it is included in the list of the best commercial credit cards.

5. Denizbank Business Card

Denizbank Business Card is a perfect fit for the operators who want to have a credit card on behalf of their company and will allocate this credit card to their various personnel.

With this card, which can be obtained in a short time effortlessly and at low cost, you get rid of the costs of delivering cash to your personnel, tracking the expenditures made by the personnel and collecting invoices.

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With this card, which allows you to overcome the trust problem, you can instantly see every hijama made, and you can impose restrictions on the card when necessary.

In addition to the basic credit card features, the Business Card stands out with its high limit and some additional advantages that can be provided specifically for the business. Due to these features, it is included in the list of the best commercial credit cards.

6. World Business Card: Business Credit Card

Yapı Kredi's World Business commercial credit card is one of the most used products. One of the most important reasons for its frequent use is the advantages and opportunities provided by Yapı Kredi for the operator. You can go to any Yapı Kredi branch and discuss the features of your World Business commercial card. Due to these features, it is included in the list of the best commercial credit cards.

The most common usage area of ​​World Business is the personnel who must have a commercial credit card.

• With your World Business card, you can shop at member merchants with installments of up to 18 months.
• You can pay your tax debts up to 50 Thousand TL on gib.gov.tr ​​without any additional charge.
• SGK premium payments with your Business card; You can pay 80 TL up to 2 TL, and 80% transaction fee for amounts over 2,5 TL.
• You can withdraw money at any time using the cash advance or installment cash advance feature.
• You can pay your advance expenses in installments later.
• In the Yapı Kredi World Commercial card family There are 11 cards in total..

7. Ziraat Bank: Bankkart Business Craftsman Card

Ziraat Bank is among the best commercial credit card issuing banks with its remarkable advantages.

• You can postpone your expenses between 100 TL and 10.000 TL in advance for 1, 2 or 3 periods.
• Direct Borrowing System You can do your shopping without using your card limit and spending cash.
• You can save BankKart Lira for your spendings.
• Thanks to the limit defined specifically for the dealers, the certain limit of your card is reserved only for these purchases.
• You can determine the limits of the additional cards you will issue for your employees and the workplaces where they will spend.
• You can access your additional account or current account with your BankKart Business credit card.
• Card applications can only be made through Ziraat Bank branches.

What is a Business Credit Card?

Business credit cards are financial tools used by startups to manage their spending. They offer many benefits, including:

• Tracking tools for operating expenses
• Raising capital through cashback offers

Today, there are hundreds of small business credit cards for starters that come with trackable spending tools that allow you to track how much and how often you spend.

For companies that spend a lot of money, the ability to track expenses is invaluable. Not only does it help you keep track of where your money is going, it also gives you a better idea of ​​your company's performance each month.

What are the Conditions for Getting a Business Credit Card?

Commercial credit cards can only be issued to legal entities. For this reason, you must have a commercial account defined in the bank where you request to receive the card. In addition, the advantages and requirements of commercial credit cards vary according to the type of company. The requirements for sole proprietorships, joint stock companies and limited liability companies are as follows.

For Sole Proprietorships:

• The commercial credit card application form of the bank where the commercial account is located must be filled.
• A copy of the identity document of the owner of the company is required.
• The current tax plate issued by the Ministry of Finance should be issued.

For Joint Stock and Limited Companies:

• The commercial credit card application form of the bank where the commercial account is located must be filled.
• Photocopies of identity documents of all partners of the company are required.
• The current tax plate issued by the Ministry of Finance should be issued.
• A trade registry newspaper document containing the company's title, management and partnership form, and representation powers should be obtained.
• The original notarized signatures (signature circular) of the representatives of the company who will carry out the transactions in the bank and copies of the identity documents are required.

What is the Difference Between Business Credit Card and Regular Credit Card?

There is no difference in transaction logic between individual credit cards and commercial credit cards. With both types of cards, it is possible to shop at all businesses where credit cards are valid. However, there are some differences between the two types of cards. The difference between a business credit card and a regular credit card The elements can be listed as follows:

• In both commercial credit cards and individual credit cards, it is possible to pay the minimum amount of the expenditures made during the period instead of paying the full amount. However, while the minimum payment rate is set between 30 percent and 40 percent for individual credit cards, it is usually set to 10 percent for commercial credit cards. 
• In both types of cards, it is possible to shop in installments from contracted workplaces. However, in some areas where installment restrictions have been imposed by the state, such as the field of technology, commercial credit cards have the opportunity to make higher installments. 
• The payment obligation arising from the use of individual credit cards only binds the cardholder. In commercial credit cards, on the other hand, companies, not individuals, are considered as debtors, and the sanctions to be applied in case of non-payment of the debt directly target the company itself, not the company's partners. 
• One of the biggest differences between regular credit cards and commercial credit cards is their limits. Individual credit cards usually define a limit proportional to the monthly income of individuals. On the other hand, in commercial credit cards, it is possible to provide much higher limits depending on the business volume of the company or the status of the credit registry. 
• The card fee for individual credit cards is quite low, and some credit cards have completely removed these fees. The situation is the opposite for commercial credit cards. 
• It is possible to use cash advances in installments for both individual credit cards and commercial credit cards. While the installment class of cash advance in installments in personal credit cards varies between 6 and 12; In commercial credit cards, the number of installments can be doubled. This provides businesses with easy financing opportunities. 
• The amount of interest applied in case of non-payment of debt for individual cards is lower than for commercial credit cards. 

What are the types of businesses that can benefit from a commercial credit card?

Here are the main types of businesses that can benefit from the best business credit cards:

• Contractors – If you are a contractor looking for ways to get paid faster then using a business credit card is perfect.

• Free Employees – If you're a freelancer who needs a low annual fee and same day processing business card, then look no further because many startups offer cards tailored to people in your industry.

You can use them for buying office supplies, setting up your workstations, and anything else necessary for the day-to-day running of your business.

• eCommerce – If you're starting an online store, a business credit card is an excellent way to get sales tax refunds and turn your company into a multi-million dollar empire.

If you don't have collateral but want to build good credit quickly, you can also get a secure business card that requires a security deposit. Besides using a great eCommerce platform, you should also look for features that will help your company save money while shopping, along with other features like eReceipts, online business expense tracking, and digital receipts.

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• Logistics and shipping – If you are responsible for transportation management for a business and you use any of the best logistics software, you know that this software does not come for free. This means that it is very important to get the best possible transaction fees so that your company can save as much money as possible.