Business Credit Cards
Everyday spending power with rewards built for business owners.
What Is a Business Credit Card?
A business credit card is a revolving line of credit issued to a business entity for business expenses. It works similarly to a personal credit card but is designed specifically for business spending: employees can be added as cardholders, purchases are separated from personal finances, and spending categories relevant to business (office supplies, travel, fuel, advertising) are often where rewards are most valuable.
Unlike a term loan or MCA, a business credit card provides ongoing, revolving access to credit up to an approved limit. Pay down the balance and that credit becomes available again.
Spending power built for business
A revolving credit line that separates business from personal spending — with rewards on every purchase and cards for your whole team.
Get Started→Reusable credit as you pay down your balance
Cash back, points, or travel miles on every purchase
Add team members with individual spending limits
Establish a credit profile separate from your own
Built for how businesses spend
TBD — Marlow-specific card features: reward rates by category, sign-on bonus if any, annual fee or no annual fee, credit limit range, and card network (Visa/Mastercard).
Who this card is built for
Business owners who want to separate business and personal expenses cleanly
Companies with recurring monthly expenses (subscriptions, advertising, utilities, supplies) that benefit from consistent rewards earning
Owners who want to build a business credit profile for the company itself
Teams that need multiple employee cards with spending oversight
Businesses that pay balances monthly and want to earn rewards on operating spend at no interest cost
Important Card Terms to Understand
Before you apply, it's worth knowing exactly how the card is priced — from the purchase APR to the grace period and any fees that could apply to your spending.
Term
- Credit limit
- Maximum balance you can carry at any time; varies by business profile
- APR (purchase rate)
- Annual percentage rate charged on carried balances; no interest if paid in full monthly
- Grace period
- Typically 21-25 days from statement close; no interest charged if balance paid in full by due date
- Minimum payment
- Minimum amount due each month to keep the account current
- Cash advance APR
- Higher rate charged on cash withdrawn against the card; usually no grace period
- Annual fee
- Flat fee charged once per year; may be offset by rewards value depending on spending level
- Foreign transaction fee
- Fee on purchases made in foreign currencies; some cards waive this
How to Qualify
TBD — Marlow's specific credit card qualification criteria — minimum personal credit score, minimum revenue, minimum time in business, and any other requirements set by the issuing bank partner.
From application to your first swipe
Apply online
Provide business and owner information; most applications take a few minutes.
Credit decision
Approval decision typically returned quickly.
Card issued
Card mailed to the business address; activate and begin using.
Set up employee cards
Add team members with individual limits as needed.
TBD — Marlow's actual card application timeline and issuing bank partner name — required for accurate disclosure.
Common questions about business credit cards
Straight answers about how the card works day to day.
Compare other financing options
Not sure this is the one? Here's what else Marlow offers.
Required Disclosures
Required Disclosures (Legal)
Business credit cards are issued subject to credit approval. Terms, rates, fees, and credit limits are set at the time of approval and are subject to change per the card agreement. Business credit cards are not personal credit cards and are not covered by certain consumer credit protections under the CARD Act; however, applicable federal and state laws governing business credit still apply.
TBD — Issuing bank partner name and charter, card network (Visa/Mastercard/Amex), and any required Truth in Lending or Schumer Box disclosures — these are legally required on any page advertising a credit card product and must come from the issuing bank's approved disclosure language.
Credit card marketing is heavily regulated. The Schumer Box (standardized fee/rate table) is federally required on any credit card advertisement. This must be provided by the issuing bank partner and reviewed by legal counsel before the credit card product page goes live.