How to Choose a Business Credit Card

Selecting the right business credit card is about more than just swiping for payments: it’s a strategic choice that can enhance cash flow, streamline expense tracking, and support growth goals. Whether you’re forming an LLC, focusing on rewards, or deciding between cash back versus travel benefits, here’s how to make the right pick for your business.

What to Look for in a Business Credit Card

When you’re evaluating your options, consider these critical criteria:

• Rewards and benefits: Choose what aligns with your spending habits: cash back for everyday purchases or travel rewards for frequent business trips.
• Interest rates and fees: Compare APRs (including introductory offers) and annual fees, ensuring the cost aligns with the rewards you’ll actually use.
• Expense management features: Look for tools such as online reporting, integration with accounting platforms, and mobile payment support to simplify reconciliation and bookkeeping.
• Authorized card access: The ability to add employee cards at no extra cost and control spending limits helps you to monitor expenses efficiently.
• Fraud protection: For example, WesBanco offers Zero Fraud Liability and 24/7 support are key safeguards if your card is lost, stolen, or misused.

These factors will help you balance convenience, cost, and control, making your business credit card a reliable extension of your financial strategy.

What WesBanco Offers

WesBanco offers business credit cards crafted to match your business goals and operational style. Though details vary by option, all cards include valuable standard features: free online expense reporting tools, no fees for additional employee cards, mobile payment capability, zero liability for fraudulent charges, and round-the-clock customer service support.

WesBanco’s product suite includes options that cater to different priorities:

Cash Back: Business Cash Preferred Card

If you’re looking for a card that rewards everyday spending and travel, the Visa® Business Cash Preferred Card delivers.

Key benefits:

• 5% cash back on prepaid hotels and car rentals booked directly through WesBanco’s Rewards Center.
• 3% cash back on eligible purchases at gas and EV charging stations (up to $200 per transaction), cell phone service, office supply stores, and dining, including takeout and delivery.
• 1% cash back on all other eligible purchases.
• $25 cash back bonus after your first purchase with the card.
• $100 annual software credit, when you make 11 consecutive months of eligible software service purchases.
• Flexible redemption options: redeem your rewards as statement credit, rewards card, or a deposit to a qualifying account.

This card is a great fit if your business spends heavily on travel, gas, office needs, or digital services because it allows your routine expenses to offset future costs.

More Choices: Business Real Rewards Card

If you’re looking for straightforward rewards that add up fast, the Visa® Business Real Rewards Card is a simple, high-value option for business owners.

Key benefits:

• 5X points per $1 on all other eligible purchases, making it easy to earn regardless of spending category.
• 5X points per $1 on prepaid hotels and car rentals booked directly through the Rewards Center, helping you maximize travel-related spend.
• No caps on points earned, so your rewards can grow as your spending does.
• 2,500 bonus points after your first purchase, perfect for an immediate value boost.
• 0% introductory APR for purchases and balance transfers for the first six billing cycles, followed by a variable APR between 17.99%–26.99%, depending on creditworthiness.
• No annual fee, making it a budget-friendly choice with all the upside of reward-earning.
• Free employee cards, so team members can help earn rewards while keeping your business spending organized.

This card is an excellent match if your business spends across various categories and values flexible rewards without worrying about earning caps or annual fees.

More Rewards: Smart Business Rewards Card

If your business needs a rewards card that adapts to your spending habits and gives you control over how you earn, consider the Smart Business Rewards Visa® Card.

Key benefits:

• 5X points on prepaid hotels and car rentals when booked directly through the Rewards Center.
• 2X points on the top two spending categories each month. Whether it’s office supplies, shipping, utilities, or advertising, this card rewards your business where it spends most.
• 1X point on all other eligible purchases.
• 20,000 bonus points (worth up to $200) when you spend $500 on the Authorized Officer’s card within the first 90 days, giving your rewards a fast jumpstart.
• 0% introductory annual fee for the first 12 months, then $95 per year for the Account Owner (Authorized Employee cards remain free).
• Mobile-friendly features like Card ExtendPay, which lets you split purchases into low, fixed monthly payments with no interest.

This card is particularly smart for businesses with evolving spending patterns, as it automatically rewards you in your top categories.

Pay Down Balances: Business Card

If you’re looking to simplify large purchases or eliminate high-rate credit card debt, the Visa® Business Card offers a powerful solution tailored for balance management.

Key benefits:

• 0% introductory APR on purchases and balance transfers for 18 billing cycles, giving you an extended window to pay down high-rate balances interest-free.
• Zero annual fee, making it a cost-effective option for managing short-term cash needs.
• Free employee cards, so your team can use the card without additional costs while still allowing you to track spending.

Use this card for large or unexpected expenses, or as a tool to pay down higher-interest credit cards faster, helping you regain control of your finances without extra cost.

For Large Businesses and Corporations: Visa Signature® Business Company Card and Visa® One Card

Visa Signature® Business Company Card

Key benefits:

• Designed for medium-sized to large businesses with at least $5 million in annual net sales.
• Enhanced reporting helps document expenses, track purchases, reveal spending patterns, organize budgeting information and save time on accounting procedures.
• Cardmembers enjoy exclusive benefits, a generous credit line, and a rewards program.

Visa® One Card

Key benefits:

• Unified processing, simplified management, and maximized savings.
• Access to the Visa® worldwide network with acceptance at millions of merchant locations and ATMs.
• Detailed transaction data and card integration with your electronic expense reporting (EER) system.

For Non-profits or Municipalities: Visa® CommUNITY Company Card

Key benefits:

• Easy way to manage cash flow and expenses.
• Enhanced reporting helps you to document expenses, track purchases, reveal spending patterns, organize budgeting information, and save time on accounting procedures.

Choosing the Right Card for Your Business

The right business credit card isn’t just a payment tool: it’s a strategic asset for managing expenses and fueling growth.

WesBanco offers a full range of business credit cards designed for small and growing businesses, combining flexibility, security, and rewards.

Ready to find the best fit for your business? Explore WesBanco Business Credit Cards.

Content is for informational purposes only and is not intended to provide legal or financial advice. The views and opinions expressed do not necessarily represent the views and opinions of WesBanco.

While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.