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Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Blue Ridge Bank, N.A., and Thread Bank, Members FDIC. The Nav Visa® Business Debit Card is issued by Blue Ridge Bank, N.A. or Thread Bank, and the Nav Prime Charge Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details.
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Clear your path to better financing options
Good credit breaks down barriers to your best card options
Build business credit
Get up to two tradelines — including the Nav Prime Card — that build your business’s credit
See what credit card issuers see
Access the only place to see your business and personal credit side by side
Unlock new credit card options
Generate a customized shortlist of your current best options from 90+ business credit cards
How it works
Get your best credit card options from Nav’s marketplace, as your credit health evolves
Join Nav Prime to build and monitor your business’s credit so you can put your best foot forward with lenders
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Know the habits you should change and when you cross new milestones that make a difference in financing decisions
Monitor your credit health
Better credit brings more choice. Give yourself that gift and move forward with confidence
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What to look for when comparing Business Credit Cards
The right credit card gives your business the fast and flexible funding you need to help run and grow your business.
When choosing a card, consider these factors:
- Compatibility. Does your small business qualify for this card? Use Nav to see your top options based on your business data instantly.
- Costs. Are there annual fees? High APR? Nav shows you all potential fees upfront.
- Rewards. Maximize cash back rewards on expenses you already pay. Take advantage of the best sign up bonuses. Nav highlights all the perks in a straightforward chart.
- Features and benefits. Get flexible spending limits, controls on employee accounts, expense management tools — whatever your business needs. Nav lists every account feature so you can compare easily.
FAQs
What's the difference between business and personal credit cards?
Business credit cards cater to company expenses, with features like business rewards, while personal credit cards are for individual use. Business cards link to a business's credit profile, separating personal and business finances, while personal cards rely solely on an individual's credit history. Some business credit card issuers will also look at your personal credit score.
Can a business credit card build business credit?
A business credit card can build business credit by establishing a separate profile, showcasing responsible usage, and timely payments. A strong business credit history boosts credibility with lenders and can open access to better rates and terms. If you are looking to accelerate your path to funding, Nav Prime can improve your business’s financial health profile and help unlock better financing options.
What is the best business credit card for new businesses?
The good news is that most small business credit cards are available to new businesses as long as the business owner qualifies based on credit, income, and other factors. You can use Nav to find the right credit card for your business based on your business data.
"This app is the best, helped us to get approved for our very first business credit card. Thanks!¹"
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