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Finfix – Dezember 2020
Mehr und mehr Menschen bevorzugen grüne Banken, die sich mit dem Thema Nachhaltigkeit auszeichnen wollen. Der Pre-launch der hölzernen Treecard hat in den Medien hohe Wellen geschlagen und mehr als 100.000 Deutsche haben sich schon vorab registiert. Von CO2 freien Banken bis hin zu Bäume pflanzenden Startups haben wir uns die Mühe gemacht einmal eine Liste zu präsentieren.
Grüne Konten und Kreditkarten ist eine Sache, die uns alle angeht. Auch wenn wir im Moment die Corona Nachrichten täglich unsere Aufmerksamkeit zieht, so sind Nachhaltigkeit nicht zu vergessen. Gerade bei Produkten aus dem Finanzwesen ist der Unterschied zu den Standard-Banken minimal und Bäume pflanzen kann ganz einfach passiv mitlaufen.
Manche Kreditinstitute sind nachhaltiger als Andere. Hier sind unsere ausgewähltesten grünen Konten und Karten
Our pick for
$0
13.24% - 19.24%
Variable APR
0% intro APR on purchases for 12 months from the date of account opening
Our pick for
$595
14.24% - 22.24%
Variable APR
Grünes Konto |
Unsere Bewertung |
Features |
Karte |
Gesamtkosten |
Mehr erfahren |
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4.7/5
Best for 0% intro APR + cash-back rewards |
0% intro APR on purchases for 12 months from the date of account opening |
p13.24% - 19.24% |
$0 |
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4/5
Best for 0% intro APR + cash-back rewards |
0% intro APR on purchases for 12 months from the date of account opening |
p13.24% - 19.24% |
$540 |
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Cash back — flat-rate rewards
The Capital One Spark Cash for Business is an excellent option for business operators whose expenses are all over the map and don’t fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. There’s a great sign-up bonus offer, too. Read our review.
Our pick for: Cash back — bonus categories
If your business’s spending matches the bonus categories on the Ink Business Cash® Credit Card, you can rack up some serious cash back. (If not, then look elsewhere.) There’s an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory 0% APR period for purchases. Read our review.
Our pick for: Cash back — flat-rate rewards + no annual fee
The no-fuss, no-hassle rewards of the Discover it® Business Card make it a great choice for entrepreneurs and side hustlers whose business expenses don’t fall into the bonus categories on other small-business rewards cards (things like office supplies, advertising and so on). You also get Discover’s signature „cash-back match“ bonus your first year. Read our review.
Our pick for: Travel rewards — bonus categories + big sign-up offer
The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Travel rewards — flat-rate rewards
The Capital One® Spark® Miles for Business is basically a business version of the popular Capital One Venture Rewards Credit Card. You earn 2 miles per dollar on all purchases, and miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. Read our review.
Our pick for: Travel rewards — premium rewards and perks
Like the consumer version of this card, The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer bonus offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It’s not cheap, but luxury never is. Read our review.
Our pick for: Travel rewards — no annual fee
This is the business version of the issuer’s excellent no-annual-fee travel card. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Read our review.
Our pick for: 0% intro APR + AmEx points
The Blue Business® Plus Credit Card from American Express is a near-twin to the American Express Blue Business Cash™ Card, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Read our review.
0% intro APR + cash-back rewards
The American Express Blue Business Cash™ Card boasts one of the better 0% introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There’s no annual fee, but there’s no new-cardholder bonus offer either. Read our review.
Our pick for: Flexible financing
Businesses with high working capital needs but sometimes inconsistent cash flow might find The Plum Card® from American Express a perfect fit. Pay early and get a discount, or enjoy up to 60 days interest-free. There’s a substantial annual fee, but if you’re using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.
Our pick for: Airline credit card for business
If your business has you on the road a lot, you’ll appreciate the airport lounge access on the Delta SkyMiles® Reserve Business American Express Card, which includes both Delta’s own Sky Clubs and American Express’s Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Read our review.
Our pick for: Hotel credit card for business
The Marriott Bonvoy Business™ American Express® Card can pay for itself just with the automatic free night’s stay every year. Add in automatic elite status, generous rewards, a dandy sign-up bonus and more, and it’s hard to go wrong. Read our review.
Our pick for: Fair credit
The rewards rate on the Capital One® Spark® Classic for Business isn’t going to wow anyone, there’s no sign-up bonus and the APR is high. What makes this card valuable is that it’s available to business operators with fair or „average“ credit, who don’t have a lot of options in business credit cards — especially with no annual fee. Read our review.
Our pick for: No personal guarantee
Unlike most cards designed for entrepreneurs, the Brex Card for Startups doesn’t require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company’s cash balance, spending patterns and investors. It’s a good option when a business owner has a thin credit file but is well-capitalized. The card earns rewards, too. Read our review.
The term „small business“ is often associated with enterprises like a corner store, an accountant’s office or a landscaping company. But small-business cards can make sense for anyone who is in business for him- or herself, whether it’s a full-time job, freelancing, gig work or a side hustle.