Top Online Business Degrees with Finance Concentrations in the USA (2025 Rankings)

In today’s economy, finance knowledge is power. Every successful company from startups to global corporations depends on professionals who understand how to manage money, reduce costs, and grow profits.

That’s why online business degrees with finance concentrations are becoming some of the most valuable and flexible study options in the United States. These degrees combine core business skills with advanced finance training preparing students for roles like financial analyst, investment banker, business consultant, or corporate manager.

In this guide, you’ll learn everything you need to know about:

• The benefits of earning an online business degree in finance.

• How to choose the right accredited program.

• Step-by-step admission guidance.

• Comparison of top U.S. universities offering these programs.

• Detailed reviews, FAQs, and tips for maximizing your return on investment (ROI).

By the end, you’ll be ready to take the next confident step toward a lucrative and flexible career in business and finance.

Key Benefits of an Online Business Degree with Finance Concentration

An online business degree with a finance focus offers flexibility, career growth, and high earning potential. Below are the key benefits explained in simple terms.

1. High Demand and Job Security

Finance professionals are essential in every industry. Businesses need experts who can handle budgeting, investments, and risk analysis — making these skills highly marketable across the U.S.

2. High Paying Career Paths

Graduates can enter some of the highest-paying roles in the business world, such as:

• Financial analyst

• Investment manager

• Corporate finance officer

• Risk manager

• Business development consultant

Average salaries often range from $75,000 to $150,000+ annually, depending on experience and location.

3. Study Flexibility and Work-Life Balance

Online programs let you study from anywhere in the U.S. at your own pace. This is ideal for working adults, parents, or full-time employees who want to upskill without quitting their jobs.

4. Accredited and Respected Degrees

Accredited online universities now offer the same curriculum and credentials as on-campus programs. Employers view them as equal in quality, especially from regionally accredited institutions.

5. Career Advancement Opportunities

Many mid-career professionals use online business degrees to move into management, leadership, or finance director roles. These programs teach practical decision-making and data analysis skills employers value.

6. Affordable and Scholarship-Friendly

Many online business schools offer financial aid, employer tuition reimbursement, and scholarships for U.S. students, making it easier to afford your education.

What You Need to Know Before Applying

Before you apply for an online business degree in finance, it’s important to understand what the program includes and how it works.

What Is a Finance Concentration?

A finance concentration means you major in business but specialize in financial management. You’ll study topics like:

• Investment analysis

• Financial accounting

• Risk management

• Business law

• Corporate finance

• Portfolio management

Program Levels

You can pursue:

1. Bachelor’s Degree in Business Administration (Finance Concentration) – for beginners or undergraduates.

2. Master of Business Administration (MBA) with Finance Concentration – for professionals seeking career advancement.

Program Length

• Bachelor’s degree: 3–4 years full-time (can be accelerated to 2–3 years).

• MBA programs: 12–24 months depending on pace and prior credits.

Common Admission Requirements

1. High school diploma or GED (for bachelor’s).

2. Bachelor’s degree (for MBA).

3. GPA of 2.5–3.0 or higher.

4. Optional GMAT/GRE scores (many programs are test-optional).

5. Resume and personal statement.

6. Letters of recommendation (MBA level).

Step-by-Step Guide: How to Choose and Apply for the Right Program

Choosing the best online business degree with a finance concentration is simple if you follow these steps.

Step 1: Identify Your Career Goal

Decide whether you want to start your career or advance it.

• Choose a bachelor’s degree if you’re just beginning.

• Choose an MBA with finance concentration if you already have business experience.

Step 2: Research Accredited Schools

Look for programs accredited by:

• AACSB (Association to Advance Collegiate Schools of Business)

• ACBSP (Accreditation Council for Business Schools and Programs)

• Regional accreditation bodies (like SACSCOC, HLC, MSCHE)

Step 3: Compare Tuition and Financial Aid

Online tuition varies widely — from $250 to $1,200 per credit hour.
Check for:

• Federal student aid (FAFSA)

• School scholarships

• Employer tuition assistance

Step 4: Prepare Application Materials

Gather:

• Official transcripts

• Resume or CV

• Personal statement

• Optional GMAT/GRE scores

• Two references

Step 5: Apply Online

Most U.S. schools have digital portals where you can upload your documents and track your progress.

Step 6: Accept Offer and Enroll

Once admitted, complete enrollment, attend virtual orientation, and begin your online finance courses.

Top Online Business Degrees with Finance Concentrations in the USA (Comparison Table)

Detailed Reviews of Top Online Business Programs

1. University of Florida – Online BBA in Finance

The University of Florida’s Warrington College of Business offers one of the most affordable and respected online business programs. Students gain strong analytical and decision-making skills. Courses include business finance, investment principles, and managerial economics. Graduates often find roles in financial institutions or corporate settings.

Key Feature: AACSB accreditation ensures top academic quality.

2. Arizona State University – Online BS in Business (Finance)

Arizona State University’s W.P. Carey School of Business is known for innovation and career-focused training. The finance concentration helps students master concepts like corporate valuation, financial modeling, and portfolio management.

Why It Stands Out: Direct connections with major employers and career support services.

3. Purdue Global University – BS in Finance

Purdue Global provides one of the most flexible finance degree programs in the U.S. It is ideal for working adults seeking to transfer previous credits. Students learn core finance, business law, and accounting principles in an easy-to-manage online format.

Best For: Students who want affordable tuition and prior credit transfer.

4. Penn State World Campus – Online MBA (Finance Concentration)

Penn State’s online MBA allows students to specialize in finance while learning strategy, leadership, and business innovation. The program blends academic rigor with practical tools for real-world problem-solving.

Highlight: High alumni employment rate and strong ROI after graduation.

5. Southern New Hampshire University – MBA in Finance

SNHU’s online MBA program is designed for working adults who want to complete their degree in as little as 12 months. No GMAT or GRE is required, and students can focus on corporate finance, investments, and financial planning.

Why Students Love It: One of the most affordable AACSB-accredited MBA programs.

6. University of Massachusetts Global – BBA with Finance Focus

UMass Global’s finance concentration emphasizes analytical thinking, risk management, and financial leadership. It’s perfect for students who want a fast-paced career path in finance or management.

Unique Advantage: Courses are taught by professionals with real-world finance experience.

Common Mistakes to Avoid When Choosing a Program

1. Ignoring Accreditation:
   Always choose accredited institutions — this impacts credibility and job opportunities.

2. Overlooking Hidden Fees:
   Some schools charge technology or course materials fees. Check total program costs before enrolling.

3. Skipping Scholarship Options:
   Thousands of scholarships are available. Failing to apply could cost you thousands in free aid.

4. Choosing the Wrong Program Level:
   Pick bachelor’s for entry-level jobs, MBA for senior management advancement.

5. Underestimating Time Commitment:
   Even online programs require steady effort and weekly study schedules.

Cost, Earnings, and ROI: Is It Worth It?

Average Tuition

• Bachelor’s: $40,000–$65,000 total

• MBA: $25,000–$50,000 total

Average Salary After Graduation

• Financial Analyst: $85,000

• Investment Banker: $120,000+

• Corporate Finance Manager: $100,000–$140,000

Return on Investment (ROI) Example

If your MBA costs $30,000 and raises your annual salary from $60,000 to $95,000, your ROI is achieved within 1–2 years of employment.

Tools and Resources to Help You Succeed

• FAFSA – Apply for federal student aid.

• Career Services Centers – Available at most universities.

• LinkedIn Learning – Supplement coursework with finance tutorials.

• Budgeting Apps (Mint, YNAB) – Manage personal and tuition finances.

• Virtual Study Groups – Join classmates online to share insights.

FAQs About Online Business Degrees with Finance Concentrations

1. Are online business degrees with finance concentrations respected?

Yes. Accredited online degrees are recognized by employers and valued equally to on-campus degrees.

2. How long does it take to finish an online business degree in finance?

Bachelor’s degrees take 3–4 years; MBA programs can be completed in 12–24 months.

3. Can I study part-time while working full-time?

Yes. Most programs are built for working adults with flexible schedules.

4. What is the best online MBA in finance in the U.S.?

Programs like Penn State, SNHU, and the University of Florida are among the top choices.

5. How much can I earn with a business degree in finance?

Graduates typically earn between $75,000 and $150,000 per year depending on role and experience.

6. Do I need math skills for a finance concentration?

Basic math and analytical thinking are required, but advanced math is rarely necessary.

7. Are scholarships available for online students?

Yes. Many universities offer need-based and merit-based scholarships for online learners.

8. Can I transfer credits from another school?

Yes. Most online programs accept transfer credits, especially at the bachelor’s level.

9. Is financial aid available for online programs?

Yes. Students can apply for federal aid, grants, or private loans through FAFSA.

10. What careers can I pursue after graduation?

Financial analyst, investment banker, accountant, budget analyst, or finance manager.

Conclusion: Your Path to a Profitable Business and Finance Career

Pursuing an online business degree with a finance concentration is one of the smartest investments you can make in your future. It offers flexibility, affordability, and access to high-paying career opportunities across the U.S.

Whether you’re starting fresh with a bachelor’s or upgrading your career with an MBA, these online programs allow you to study at your own pace while gaining in-demand financial skills.

Start today. Research your top schools, apply for scholarships, and take the first confident step toward a career that offers financial freedom, job stability, and lifelong growth.