Top Small Business Credit Cards for Modeling Agencies

Depending on your business’s expenses and cash flow, you should be able to use the different reward systems strategically to maximize the benefit to your bottom line.

Note: In most cases, small business credit card applications are based on your personal credit score. Be sure to know if you qualify before you apply for a new card.

These are the top three cards available right now for modeling agencies. If you know your credit isn't stellar, check out our Top 4 Cards For Building Credit.

Advertisement Rewards

Finding models and connecting with potential clients requires extensive advertising. Because you already spend a lot of money on advertising, an advertisement purchase rewards card could help you offset some of those expenses throughout the year.

These special business credit cards offer a higher rate of cash back for online advertisement purchases than standard cash back cards. Depending on the card, you may be able to earn cash back for other types of business purchases as well.

#1 Advertisement Purchasing Reward Small Business Credit Card


Ideal for: Businesses that are looking to customize their rewards programs and that don’t travel overseas often.

You can earn 3% cash back on advertising purchases, but you have some work to do first. Within two months of getting approved for this card, you need to choose this specific bonus category. (You can change categories once every year.) Then you need to keep track of your purchases, because the 3% cash back level is capped at $50,000 of purchases per year.

You must make “U.S. purchases for advertising in select media,” which includes Google, Facebook, Yahoo, NBC National Broadcasting, and CBS Radio.

After you spend your first $50,000 in a calendar year, the 5% and 3% categories drop to 1%. That includes non-bonus category purchases. You also get 1% cash back on all other purchases.


  • 0% intro APR on purchases for 9 months
  • 5% cash back on office supplies and telephone services for $50,000 of purchases per year, then 1%
  • 3% cash back for $50,000 of purchases per year (then 1%) on the category of your choice, including hotel rooms, airfare, restaurants, shipping, etc.
  • 1% cash back on all other purchases
  • Spend Manager: Helps manage your expenses by allowing you to add receipts and notes to your transactions through your desktop or mobile device
  • Employee cards: Get up to 99 for free
  • Connect to QuickBooks: Label and transfer transaction data into a QuickBooks account
  • Car rental damage insurance and roadside assistance hotline
  • Baggage insurance plan and travel accident insurance


  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • 2.7% foreign transaction fee

Premium Travel Benefits

A premium travel benefits card offers access to luxury or premium accommodations as well as other travel benefits, such as cash back for travel-related purchases and/or airline miles for card purchases. If you travel frequently to scout models, transport models to photoshoots, or conduct client meetings, a premium travel benefits card can make the process less expensive and more comfortable for you and your guests.

Carefully review the specific type of premium benefits each card offers to ensure you can maximize your benefits from using the card. If a card offers overnight stays at a hotel chain you dislike, for example, a different card might work better for your business.

#1 Premium Travel Benefits Small Business Credit Card

A sleek gray American Express Business example card.


Ideal for: Frequent travelers who crave airport lounge access and want to impress clients, prospects, and partners.

The annual fee is $595, but if you crave status and luxury, you get access to Delta SkyClub, Priority Pass Select, and American Express Centurion airport lounges. There’s also elite status with Avis, National, and Hertz rental car companies—with guaranteed availability and free upgrades to better vehicles, among other perks.

It’s important to note that this is a charge card, which means the balance must be paid in full at the end of each billing cycle. If you don’t, be prepared to pay a hefty late fee. Thankfully, it’s the only charge card on this list.


  • 50,000 points after you spend $10,000 in the first three months.
  • Extra 25,000 points after you spend an additional $10,000 in those three months.
  • 5x points on flights and prepaid hotels booked through American Express.
  • Access to Delta SkyClub, Priority Pass Select, and American Express Centurion airport lounges.
  • $200 statement credit towards Dell purchases.
  • 35% rebate on miles redeemed for airline tickets.
  • $100 Global Entry or TSA Pre-application fee credit.
  • A $200 annual “incidental credit” for use on any airline. Comes in handy for checking extra bags and buying in-flight food and drink.
  • Gold Elite status at Hilton and Starwood Hotels.
  • Access to Boingo Hotspot and Go-Go Preferred Wi-Fi.


  • $595 annual fee.
  • No balance transfer fee.
  • No cash advance fee
  • No foreign transaction fee.

0% Introductory Rate

Credit cards that offer a low — or zero — annual percentage rate (APR) for an initial period of time can help you finance expensive purchases you need right now to increase revenue for your modeling agency. If you want to buy better photography equipment or airline tickets, for example, you could purchase these items with this type of card and then wait to pay off the balance until you generate more revenue. 

As long as you pay your balance before the end of your interest-free introductory APR period, you’ll avoid incurring interest on your purchases. Most of these cards feature a 12-month introductory period, but some offer a shorter or longer timeframe so pay attention to your card’s terms.

#1 Business Financing Reward Small Business Credit Card


Ideal for: New business owners, and those with irregular cash flow, who don’t travel overseas.

This card’s 0% intro APR offer lasts 12 months, one of the longest on this list. That makes it an ideal card for brand-new businesses and those whose cash flow is temporarily unpredictable.

What is predictable: If you use this card overseas, you’ll pay an extra 2.7% foreign transaction fee, which is a surcharge if your purchase passes through a foreign bank. Unlike, say, annual fees that are often offset with upgraded rewards and benefits, you get nothing but the fee for your trouble. If you travel out of the country for business, this isn’t the card you should use.


  • 0% intro APR for 12 months
  • 2x points per dollar spent on the first $50,000 of every calendar year
  • 2x points on business purchases like office supplies and client dinners
  • 1x point per dollar spent after that
  • Spend Manager: American Express mobile app. Helps add receipts and notes to transactions
  • Get up to 99 employee cards for free
  • Spend beyond your credit limit
  • Exclusive access to ticket pre-sales and cardmember-only events in your city
  • Complimentary ShopRunner membership: Provides two-day shipping at participating retailers
  • American Express personal loans: Apply for a pre-approved loan of $3,500 to $25,000
  • Access to Quickbooks to label and transfer your transaction data from American Express


  • No annual fee
  • No cash advance fee
  • 3% or $5 balance transfer fee (whichever is greater per transaction)
  • 2.7% foreign transaction fee

Cards For Multiple Uses

Most businesses start with one card that fits their largest need and transfer most or all of their expenses to that card. Once you get to a certain size, however, it may make sense to have different cards with specific rewards programs catering to the different types of expenses you have. Most larger businesses use multiple cards to optimize for rewards.

Remember, you aren't limited to just one credit card, just be careful not to overextend yourself for unnecessary purposes.

How to Qualify for Small Business Credit Cards

Unless your business has a positive credit history of its own, your eligibility will be based on your personal credit rating. If you have a new or existing business that has never had a credit card or loan before, it’s likely that your business has no credit history.

Since your personal credit will be measured when you apply for a business credit card, it’s wise to have a good idea of what your credit score is.

If you don’t know your credit score, check out our article: How To Find Your Credit Score.

Once you have your score you can make a decision on which card to apply for. If you have good, great, or excellent credit, then go for one of the cards at the top of this article! If your credit isn’t quite there yet, check out our article: What Business Credit Card Can I Get With My Credit Score?

The great thing about credit scores is that they can be improved over time! We have a great article on the Best Business Credit Cards To Build Credit.

A rejected credit application can have a negative effect on your credit score, so act with responsibility and make careful decisions when deciding to apply.

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Recommended: Learn How to Build Business Credit to help establish your business's fundability, get lower interest rates on loans, higher lines of credit, and sign up for all of this in your business's name, instead of yours.

Why You Should Get A Small Business Credit Card

There are many reasons why a company would want to have a business credit card. Depending on the type of business you operate, the strategies you employ may be different than one another, but we will describe the basic benefits of small business credit cards.

Separates Personal And Business Expenses

No matter the size of your company, you should keep all of your business finances separate from your personal finances. This means paying any bills you have in the business from a business account and paying for all personal expenses from a personal account.

This separation accomplishes two main tasks:

  • Simplified Accounting - Keeping your accounts separate will allow you to fully understand the numbers of your business. If you have personal dollars in a business bank account or vice versa, it will be more difficult to understand how much you are spending, how much your revenue is, and therefore, your bottom line.
  • Prevents Commingling - Commingling funds is one of the most basic and damaging errors a small business can make. Separating your funds, along with operating your business in a structure such as an LLC, will create your corporate veil. A corporate veil works to keep your personal assets safe if your business is ever sued.

There should never be a reason to mix your business and personal money, even if you run a small sole-proprietorship. The risks are too great, and there are no benefits.

Before you get a small business credit card, if you haven’t opened a business checking account for your company, you should do that right now.

A cube with LLC printed on its sides

Recommended: Read our Best Banks for Small Business review to find the best national bank, credit union, business-loan friendly banks, one with many brick-and-mortar locations, and more.

Smooths Inconsistent Cash Flow

Some businesses, such as those with long sales cycles, can often go a few months without revenue, then see a large spike when a sale is finalized.

While it’s exciting to see large numbers come in all at once, it can be stressful in the meantime to pay bills, salaries, and other expenses with little to no income.

Credit cards offer business owners the ability to spend money that they haven’t made yet, capitalizing on future sales right now.

While you absolutely need to be careful about spending money you don’t have, this is a method that businesses can use to keep the doors open between sales cycles.

Credit Card Rewards

There are two main types of business credit card rewards: cash back and travel rewards.

Cash Back Rewards

There are multiple ways a small business can get the most out of cash back rewards programs.

For each dollar that your small business spends with these credit cards, you can get some money back. Some cards even have higher rates for specific purchases.

For example, businesses that do a lot of road travel can maximize their driving costs with a card that offers cash back on gas purchases.

Other businesses may require a lot of office supplies and can find a cash back or points program that rewards them for these costs or others like telecommunications, advertising, shipping, and more.

Finally, most cash back cards offer a flat percentage rate back on general purchases.

Travel Rewards

On the other hand, businesses that fly to visit conferences, do on-site visits with clients, or any other activities that usually involve airline trips or hotel stays can benefit from general or brand-specific travel rewards.

These usually come in the form of points or mileage rewards, where for every dollar you spend, miles you fly, nights you stay, or any other qualifying action you take, you’ll get rewarded. These build up and can be spent on upgrades, free nights and flights, and more.

Finally, there are typically premium versions of these cards that cost more in terms of annual fees but have more luxurious rewards such as access to airport lounges, events, and activities most people wouldn’t have access to.