To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

As a business owner, you’ve probably received more credit card offers in the mail than you can count. A company credit card is a powerful tool for your day-to-day business, so it’s important to select one that fits your needs. Creating a favorable credit profile for your business can help you secure future loans for expansion or access credit lines with vendors. Without a business credit card, you may often find yourself commingling personal and business finances, which could jeopardize your personal finances. Consider these features as you shop around:


If you pay off your balance every month, other card considerations—such as rewards and fees—may be more important than securing the lowest rate. But for those who maintain a balance, a low rate can lead to cost savings.


Look out for annual, over-the-limit, late payment and additional card fees. These fees vary from card to card and may be negotiable. It can pay to select a card with as few fees as possible or ask if the advertised fees can be lowered.


Cards may offer cash back or points toward airline or other travel, merchandise and more. Utilize your rewards to get discounts and even pay for some business expenses. Consider the type of rewards offered, as well. A card that gives you a choice of rewards may be a better bet for your business. Both of Navy Federal’s business card options offer 1 point per dollar spent, with no cap on earnings.

Fraud protection

Take into consideration cards that offer Zero Liability protection, which means you aren’t held liable for reported, unauthorized purchases. All Navy Federal cards offer this protection for transactions made in-store, over the telephone or online. Confirm that the card you're looking at offers this, too.

Digital access

Will you be able to cancel a card, pay the bill or request new cards online? Navy Federal offers many mobile and online tools to make managing your accounts quick and easy, saving you time and potential headaches. You can easily track your account, make payments and even freeze/unfreeze your card online if you misplace it.

Travel features

If card users often travel abroad, pay close attention to the foreign transaction fee. Card issuers generally charge up to 3 percent, so choosing a card without foreign transaction fees, like Navy Federal’s, can make a big difference. For those who travel closer to home, consider a card that offers features such as auto rental insurance coverage, concierge services, flight insurance and baggage delay coverage.

With the right business credit card, you can meet the needs of your growing business while enjoying some great benefits. When you choose a business card from Navy Federal, you'll earn rewards while enjoying a competitive rate, no annual fees and no foreign transaction fees. Learn more about our business credit cards and their features.

This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.