Best Business Credit Cards in Jamaica for 2025
Find the perfect credit card for your business needs. Whether you're looking for travel rewards, cashback or a reliable option for everyday expenses, ScoopRate helps you compare and choose the best card available. Start comparing today!
Last Updated: January 9, 2025
Advertising DisclosureNCB Visa Platinum Business (USD)
Welcome offer
Enjoy 25% interest for 6 months on Business Credit Card balance transfers
Features
Annual Fee
US$98.72
Purchase
Interest Rate
17.00%
Cash
Advance Rate
17.00%
Minimum
Payment
5.00%
Rewards & Benefits
- Supplementary Card: Enhance your business’s purchasing capabilities with cost-effective supplementary cards, allowing you to add employees for just US$64.16 per year.
- Unlimited Cash Back: Earn rewards on every purchase, with 0.5% cash back on non-government transactions and 0.4% on government transactions.
- Worldwide Acceptance: Enjoy the convenience of using your card globally without hassle.
- Travel Accident Insurance: Stay protected while traveling with coverage up to US$250,000 for travel accidents.
- Auto Rental Insurance: Benefit from insurance coverage for rental vehicles, ensuring worry-free rentals.
- Exclusive Discounts on NCB Miles: Access special discounts on essential travel expenses such as airline tickets, hotels, and car rentals at ncbmiles.com.
- Up to 55 Days’ Interest-Free Financing: Manage expenses more effectively with up to 55 days of interest-free financing.
- Pre-Approved Access with NCB Start-up Package: Start using your card quickly and easily with pre-approved access provided by the NCB Start-up Package, making the application process simple and efficient.
- Comprehensive Fee Disclosure: Gain peace of mind with clear and detailed fee information outlined in the NCB Card Services Fee Guide, empowering you to make informed decisions about your financial choices.
Sagicor Bank Visa Business (USD)
Welcome offer
No current welcome offer available
Features
Annual Fee
US$99.00
Purchase
Interest Rate
18.00%
Cash
Advance Rate
18.00%
Minimum
Payment
5.00%
Rewards & Benefits
- Supplementary Card: Boost your business efficiency with an additional cardholder for just J$3,000.00 per year.
- Global Acceptance: Use your card at over 25 million merchant locations worldwide for both small and large-scale business purchases.
- Global Support: Get emergency card replacement and access cash advances at over 1 million ATMs worldwide.
- Up to 55 Days Interest-Free: Enjoy up to 55 days of interest-free credit when you pay the minimum balance due each month, providing flexibility with cash flow.
- Low Interest Rate: Enjoy up to 55 days interest-free on purchases, allowing you to better manage cash flow.
- Free Auto Rental Insurance: Receive free auto rental insurance covering damages due to collisions, theft, and vandalism charges in the U.S. and Canada when you pay for your rental in full with the card.
- Emergency Card Replacement & Emergency Cash: Access emergency card replacement within 1 business day when travelling outside Jamaica, along with emergency cash disbursement at over 1 million ATMs globally.
- Unlimited Access to Local VIP Attraction Airport Lounges: Enjoy complimentary access to Club Kingston Lounge at Norman Manley International Airport and Club Mobay Lounge at Sangster International Airport, offering facilities like conference rooms, Wi-Fi, snacks, and beverages.
- Transparent Fee Disclosure: Sagicor Bank ensures you know all fees upfront for our Credit Cards. For a clear breakdown, visit our Credit Card Rates & Fees Schedule.
JN Bank Visa Infinite Business
Welcome offer
No current welcome offer available
Features
Annual Fee
J$6,000.00
Purchase
Interest Rate
35.00%
Cash
Advance Rate
35.00%
Minimum
Payment
5.00%
Rewards & Benefits
- Annual Cashback Rewards: Earn cash back on every business purchase, putting money directly back into your bottom line.
- Supplementary Card: Empower your team with FREE annual supplementary cards for seamless expense management. A one-time fee of J$4,000 unlocks this benefit.
- Free Payroll Processing: BizPay Central eliminates payroll service fees, saving you money on managing your employee payments (up to 20 employees).
- Automated Staff Loans: BizPay Cash simplifies staff loan processing, freeing up your time and resources.
- Free JAA Membership (US$100 Value): Enjoy discounts on car rentals, roadside assistance, and other travel benefits, depending on the specific JAA membership offered.
- Flexible Financing: Choose between secured and unsecured credit lines to suit your needs. Secured options offer potentially higher credit limits, while unsecured lines provide immediate spending power.
- Up to 51 Days Interest-Free Credit: Optimize your cash flow by leveraging this extended grace period to manage payments strategically.
- 24/7 Online Access: Manage your finances anytime, anywhere with JN Bank LIVE Online Business Banking.
- Transparent Fees: The JN Bank Visa Infinite Business Card offers a comprehensive feature set to empower your business. To ensure informed decisions about fees, please visit the JN Bank Schedule of Rates Charges for details.
Scotiabank Mastercard Business
Welcome offer
No current welcome offer available
Features
Annual Fee
J$7,403.44
Purchase
Interest Rate
40.00%
Cash
Advance Rate
40.00%
Minimum
Payment
5.00%
Rewards & Benefits
- Travel Rewards: Earn miles, redeemable for travel to over 550 destinations worldwide.
- Additional Cards: Add up to 4 additional cards and assign unique credit limits to each, enabling better control over employee spending.
- Empower Your Team Affordably: Equip employees with supplementary cards for efficient expense management, with a minimal J$3,618.43 fee.
- MasterCard Concierge Service: Access exclusive recommendations and reservations for travel, dining, hotels, and entertainment.
- Expense Management: Track and manage business expenses efficiently with enhanced purchasing power.
- Travel with Confidence: Benefit from up to USD $3,600 in ATM protection and up to USD $50,000 in auto rental insurance coverage.
- Cash Advances: Access cash advances at over one million ATMs worldwide, providing liquidity and convenience for unexpected expenses.
- Credit Card Cheques:Includes Scotiabank Credit Card Cheques, which can be used wherever credit cards are not accepted, ensuring you have multiple payment options.
- Clear Business Fees: The Scotiabank Mastercard Business Card offers a comprehensive suite of features to support and streamline your business operations. For detailed information on applicable fees, please consult the Scotiabank Credit Card Rates & Fees Schedule.
CIBC Visa Business
Welcome offer
No current welcome offer available
Features
Annual Fee
J$7,898.00
Purchase
Interest Rate
40.00%
Cash
Advance Rate
40.00%
Minimum
Payment
10.00%
Rewards & Benefits
- Streamlined Operations: Save time and effort managing your business by simplifying payments and cash flow. The Visa Business Card allows you to focus on what matters most – growing your business.
- Enhanced Financial Control: Gain greater control over company expenses and financing by reducing reliance on cash. The card provides clear records and helps you track spending effectively.
- Supplementary Card: Enhance your business by adding a supplementary cardholder to your credit card for a fee of just J$3,426/annum.
- Flexible Repayment Options: Choose repayment options that suit your business needs. Pay the minimum balance each month or opt for full payment to manage your cash flow strategically.
- Simplified Accounting: Separate business and personal expenses effortlessly. This simplifies record-keeping and tax filing for both you and your employees.
- Fast Access to Cash: Obtain cash advances at over 1 million ATMs globally through the Visa/PLUS network, ensuring liquidity wherever business takes you.
- Global Acceptance: Accepted at over 24 million merchant locations worldwide, including car rental companies and hotels, providing flexibility and convenience for business transactions.
- Transparent Fee Details: Enjoy peace of mind with transparent and detailed fee information provided in the CIBC Schedule of Charges, enabling you to make informed financial decisions.
NCB Visa Business Edge
Welcome offer
Enjoy 25% interest for 6 months on Business Credit Card balance transfers
Features
Annual Fee
J$8,500.00
Purchase
Interest Rate
38.75%
Cash
Advance Rate
38.75%
Minimum
Payment
5.00%
Rewards & Benefits
- Unlimited Cash Back: Earn rewards on every purchase, with 0.5% cash back on non-government transactions and 0.4% on government transactions.
- Supplementary Card: Enhance your business’s purchasing capabilities with cost-effective supplementary cards, allowing you to add employees for just J$3,500 per year.
- Worldwide Acceptance: Enjoy the convenience of using your card globally without hassle.
- Travel Accident Insurance: Stay protected while traveling with coverage up to US$250,000 for travel accidents.
- Auto Rental Insurance: Benefit from insurance coverage for rental vehicles, ensuring worry-free rentals.
- Exclusive Discounts on NCB Miles: Access special discounts on essential travel expenses such as airline tickets, hotels, and car rentals at ncbmiles.com.
- Up to 55 Days’ Interest-Free Financing: Manage expenses more effectively with up to 55 days of interest-free financing.
- Pre-Approved Access with NCB Start-up Package: Start using your card quickly and easily with pre-approved access provided by the NCB Start-up Package, making the application process simple and efficient.
- Comprehensive Fee Disclosure: Gain peace of mind with clear and detailed fee information outlined in the NCB Card Services Fee Guide, empowering you to make informed decisions about your financial choices.
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