Compare Discover it® Business to other credit cards

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Discover it® Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard
NO ANNUAL FEE YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Discover it® Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard

REWARDS

REWARDS
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically  2

See issuers' websites for their new cardmember bonuses

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Unlimited cash back on every dollar you spend on purchases

See rewards for compared and similar cards

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Redeem your rewards for cash in any amount.

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Redeem your rewards for cash any time.  3 YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Your cash back never expires

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

SECURITY

SECURITY
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4 YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.  1 YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report  1 + YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

VALUE

VALUE
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard

Paying late won't raise your APR

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

No late fee on your first late payment

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

No overlimit fee

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

No foreign transaction fee

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

SERVICE

SERVICE
Discover it<sup>®</sup> Business Credit Card
Capital One Spark Cash Select for Business
Chase lnk Business Unlimited Card
Bank of America Cash Rewards for Business Mastercard
U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Easily download transactions to QuickBooks, Quicken or Excel YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard

100% U.S. - based customer service available any time

YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Get your free Credit Scorecard with your FICO ® Credit Score, number of recent inquiries and more 5 YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
Pay your bill up to midnight (ET)  the day it's due by phone or online YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
No pay-by-phone fee YesBusiness Credit Card Capital One Spark Cash Select for Business Chase lnk Business Unlimited Card Bank of America Cash Rewards for Business Mastercard U.S. Bank Business Edge Cash Rewards World Elite Mastercard
 

 

‡Cash back rewards – Capital One Spark Cash Select for Business: Unlimited 1.5% on every purchase, Chase Ink Business Unlimited Card: Unlimited 1.5% cash back on every purchase, Bank of America Business Advantage Cash Rewards Mastercard: 3% on gas stations and office supplies, 2% on restaurants, 1% on every purchases, U.S. Bank Business Edge Cash Rewards World MasterCard: 3% on cellular, gas and office supply store eligible net purchases, 1% on all other eligible purchases.

 

Chart comparisons conducted by an independent research firm and based on competitor info compiled in September 2019.

 

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.


+Discover's free alerts are based on information from your Experian® credit report.

 

Ready to apply for the Discover it® Business credit card?

Discover it Business Card

Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 14.49% variable to 22.49% variable, based on your creditworthiness. Cash APR: 26.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover, as of August 2019. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

  3. Your rewards never expire: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.