Startup business credit cards

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Startup business credit cards come after choosing the best bank account. A credit card can save you from monotonous payment methods. Running a small business involves complex expense management and financial decisions on how to lower operating costs.  

Do you run a startup that requires fuel payments? If the answer is yes, then you are in the right article. This article will guide you through Startup business credit cards, which can indirectly improve the operating efficiency of your small business.  

Let’s start with the following.

Key takeaways:

  • Choose a fuel card with a strong network in your startup location.
  • A gas card can save small businesses that require refueling services for delivery vehicles.
  • Pick a card that has accounting integration features.
  • Some credit cards may have better rebates, but after a certain period, it could lower. So, read their terms & conditions carefully.

Startup business credit cards with no credit?

A credit card with no credit means you get a card from a financial institution that emphasizes business growth instead of credit history. They usually check your personal credit score, deposit security & other factors that signal credit security.

Below are some credit cards for startups that don’t require a credit record.

Card NameAnnual FeeDeposit SecurityCredit CheckRewardsFeaturesRegular APRBest for
Capital One Spark Classic for BusinessNoYesNo1% cash back every time you purchaseNo charge for annual and balance transfer30.74% variableCredit building, Easy redemption, No additional fees
OpenSky® Secured Visa® Credit CardNoYesNoNoNo credit checks25.64% VariableGood for startups with limited funds,
Ramp Corporate CardNoNoNoNoExpense management tools optionsNoStartups looking for corporate spending tools
Brex Corporate CardNoNoNoNoNo personal guarantee, FDIC protectionNofor daily and monthly payment options
American Express Blue Business CashTMNoNoLower Credit Score2% Cash BackFinancial protection and extended warranties18.49% to 26.49% Variablebetter cash back rewards
Startup business credit cards with no credit

Card readers for small business?

Choosing a perfect card reader for a small business involves a holistic review of cost, payment methods & business needs. Therefore, picking the wrong card reader could cost you financially & strategically. 

Our study finds the following good card readers for new startups that can save you time & money. 

Card ReaderReader CostTransaction FeesBest forCompatibilitySecurity24/7 Customer supportPayment accepts  
SquareFree2.6% + $0.10 per swipeBeginnersiOS, Android, Square Stand, Square RegisterEMV, PCI compliantYesVisa, Mastercard, American Express, Discover, Apple Pay, Google Pay, Venmo, gift cards
eHopper$992.75% + $0.10Best for small budget & complex operationiOS, Android, Windows, Poynt, EloEMV, PCI compliantYesCredit cards, debit cards, contactless payments, EMV chip cards, gift cards
Clover Go$49 $49 for hardware & monthly software plans  User- friendlyiOS, AndroidEMV, PCI compliantYescredit cards, debit cards, contactless payments, EMV chip cards, cash app payments, checks.
SumUpFree2.75% per transactionOn-the-go paymentsiOS, AndroidEMV, PCI compliantYesCredit cards, debit cards, contactless payments
Shopify POS$299$299 for hardware & monthly software plans   e-commerceiOS, AndroidEMV, PCI compliantYescredit cards, debit cards, contactless payments, Apple Pay, Google Pay, Shop Pay Shopify’s own payment method, gift cards
Lightspeed$1992.6% + $0.10Restaurants and retailersiOS, Android, DesktopEMV, PCI compliantYescredit cards, debit cards, contactless payments, EMV chip cards, gift cards
Card readers for small business

Fuel fleet cards small business?

A fuel fleet card, also known as a gas or fuel card, is used to manage fuel expenses for small businesses. In the USA, this type of card is also used by service trucks or delivery vehicles. 

Sophia built a small restaurant in Los Angeles, but she couldn’t understand how a fuel fleet card would help her business.

Other details,

  • Sophia has three delivery trucks that require regular refueling.
  • Sophia has estimated monthly fuel expense of $2,000 

If she takes a fuel card with the following conditions,

  • Discounts= 10%
  • No annual fees
  • Has all types of gas station network

Money saving= Expense + annual fees – discount

                           = $2,000 + $0 – $2,000× 10%

                           = $2,000 – $2,00

                           = $18,00 

With a Fuel Card, Sophia could save $2,00 per month, which is $24,00 annually. She also gets expense details and easy payment options, which will save her time. 

Best fuel cards for small business?

My study has found that WEX Flex Card is the best fuel card for small businesses. Below are the significant factors that I have considered.

  • Network

Small business means you have local customers or a limited market. So, you have to select a fuel card that has facilities to gas stations in your business location and your target market. WEX Flex card has a comparatively strong network than others, which could help you timely and financially.  

  • Zero fees

Annual fees could be a financial barrier for your small business. A $100 yearly card fee could be a laughable amount for big or medium-sized companies but not for small startups. You must reduce operating costs because you run a small business. A single penny could be a financial blessing for your small business. WEX Flex card doesn’t charge any annual fees for their service, which could be a save. 

Best fuel cards for small business
  • User friendly

You run a small business and are not a technical expert. So, user-friendliness helps you financially, as you don’t need someone to learn about the technical aspects of the card. In this regard, the WEX Flex card could save you time and money.

  • Tracking tools

Expense tracking tools help you get expense details, which indirectly helps you make cost-control decisions for your small business. Many fuel cards offer this feature, but the WEX Flex card gives you a better experience. 

  • Accounting integration

As a small business owner, you need accounting data to make financial decisions. Therefore, choose a fuel card that integrates with accounting. Under the WEX Flex card, you will get accounting integration features. 

  • Cashback 

Every fuel card offers a discount. Read the terms and conditions and pick one that is cost-effective for your small business. Our study found that the WEX Flex card has better options than other cards.

However, the table below suggests other fuel cards that could be suitable for your small business based on its needs and fees.

FeaturesWEX FlexCardShell Small Business CardCapital One Spark Classic for BusinessExxonMobil BusinessPro CardEdenred Essentials
Annual feesNoNoNoNoNo (varies after 1 years)
NetworkBroad (Accepted at 107,000 stations which is 95% of US gas stations)13,000 stationsVisa1,200 Exxon and Mobil stationsVISA
Fuel AcceptanceGasoline, diesel and electricGasoline and dieselAll gas stations and truck stopsGasoline and dieselGasoline, diesel and electric
Truckstop CoverageYesYesYesYesYes
Rewards3¢ per gallon rebate for first six months1¢-5¢ per gallon1% cash back on all type of purchases6¢ per gallonRebate for 2.5¢ per gallon
Card typeCreditCreditCreditCreditCredit
Best forOverallLower Credit ScoresCredit buildingFuel RebatesExpense Management
Best fuel fleet cards for small businesses

Best gas card for small business?

Before choosing a gas card for your small business, consider the abovementioned factors, such as fuel cards.

Fuel cards also serve as gas cards, but if you are looking specifically for gas cards, the table below provides details about them.  

FeaturesRampCostco Anywhere Visa Business Card by CitiU.S. Bank Business Triple Cash Rewards World Elite Mastercard
Annual feesNoNoNo
Intro APR000
Regular APR020.49% (variable)19.24% to 28.24% (variable)
Credit scoreYesYesYes
Rewards1.5%2 to 4% 3 to 5% (varies)
Card typeCreditCreditCredit
Best gas card for small business

Concluding Thought

Before taking any credit cards, estimate your startup spending amount & needs. A credit card could vary depending on small business requirements. For fuel cards, check their cashback facilities.

You must understand that no credit card is better than others because its features vary over time. Therefore, check your market size and decide which card could be suitable for your small business.

Frequently Asked Questions

Free credit card processing for small business?

There is no free credit card processing for small business in USA. Some credit card processing will waive monthly fees but charge some money for processing credit card. In a word, you have to pay some fees to process your credit card. 


The information provided in this article is author’s view & only for educational purposes. This is not a startups advice. This is not a sponsor post & not an investment advice. Do your research before making any important financial decision. Therefore, will not be liable for your financial loss.

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