Small business credit cards are a great tool to have if you own a small business in the US. You get access to a credit line that you can use to cover your business expenses without any collateral. A lot of small business credit cards offer reward points for every dollar you spend, as well as 0% introductory APR on your purchases. What this means is that you can make large purchases on your card without paying interest for a few months. Other small business credit cards allow you to get additional cards for free, so that your staff does not have to constantly file claim forms whenever they have business related expenses.
If you’re looking for a small business credit card, here are the best offers currently available. If we missed your favorite small business credit card, do let us know about it by leaving us a comment below.
American Express Business Gold Rewards Card. This card offers its cardholders 50,000 bonus points if you spend $5,000 within the first 3 months of opening your account. This card also gives you 3 points on airfare, 2 points on gas purchases at US stand-alone gas stations, purchases for shipping and advertising in select US media, and 1 point for every dollar you spend everywhere else. You can redeem your points for office supplies, gift cards, travel, etc. There is an annual fee of $175 for this card, but it is waived for the first year. You can only earn points for eligible purchases, and there are limitations to your bonus points.
Ink Cash Business. With this small business credit card, you earn up to 10 points for every dollar spent on Chase Rewards Plus. Also, for every $25,000 spent on office supplies, cable services, and phone services, you own 5% cash back. You earn 2% cash back on the first $25,000 you spend on gas and dining, as well as 1% cash back on all other purchases. This card also comes with a 0% APR on purchases and balance transfers for 6 months, and does not have an annual fee. You also earn 20,000 bonus points (equal to $200 cash back) if you spend $3,000 within the first 3 months of opening your account.
Ink Bold Business Card. With this card, you can earn 10 points for every dollar you spend through the Ultimate Rewards, 5 points for every dollar spent on up to $50,000 worth of office supplies, cable and wireless services, 2 points for every dollar spent on hotel stays and gas purchases, and 1 point for every dollar spent on other purchases made with your card. The points you earn do not expire, and there’s no limit to how many points you can earn. This card also comes with 50,000 bonus points if you spend $5,000 within the first 3 months of opening your account. The annual fee of $95 is waived for the first year.
SimplyCash Business Cars from American Express. This card allows cardholders to earn 5% cash back on services from US wireless phone services providers, US office supply stores, 3% cash back on gas and US stand-alone gas stations, and 1% cash back on all other eligible purchases. There is no limit to the number of cash back you can earn. This card also comes with 0% introductory APR on purchases made for 6, 9, or 12 months depending on the credit score of your business. This card also has no annual fee.
American Express Starwood Preferred Guest Business Credit Card. This card is ideal for those who often stay at the Starwood chain of hotels. This card comes with 10,000 bonus points after you make your first purchase, and an additional 15,000 bonus points if you spend $5,000 within the first 6 months of opening your account. You can earn 5 points for every dollar spent on purchases made directly with Starwood, and 1 point for every dollar spent on all other purchases. The annual fee of $65 is waived for the first year.
American Express Gold Delta SkyMiles Business Credit Card. This card offers its cardholders 30,000 bonus miles if they spend $1,000 during the first 3 months of opening their account. Cardholders also earn 2 miles for every dollar spent on Delta flights, and 1 mile for every dollar spent elsewhere. This card comes with $95 annual fee, but it is waived for the first year.
American Express Business Platinum Card. This card allows cardholders to earn up to $200 of airline credit for fees, and you also get access to more than 600 airport clubs and lounges for free, worldwide. You also get 25,000 membership rewards points if you spend $5,000 within the first 3 months of opening your account. With the concierge service, you can make reservations, purchase gifts, book tickets, and more. This card comes with a $450 annual fee.
American Express The Plum Card. This card gives cardholders flexibility when paying their balance at the end of the month. This card gives cardholders a 1.5% discount if you pay early, and you also have up to 60 days to pay your balance without interest. This card comes with a $250 annual fee, and it is waived for the first year. Cardholders also get 0.5% discount on eligible purchases up to $250,000 within the first 6 months.
Capital One Spark Miles for Business. This exclusive credit card gives card holders 10,000 bonus miles if you spend $1,000 on purchases within the first 3 months. You also get 5,000 bonus miles if you apply for an employee card. This credit card also allows you to earn 2 miles for every dollar spent on all purchases, and these miles never expire. The annual fee of $59 is waived for the first year, and the miles you earn can be redeemed for cash back, travel purchases, gift cards, and more.
Capital One Spark Cash for Business. This card gives cardholders $100 bonus cash back if they make $1,000 in purchases within 3 months of opening the account. This card also comes with a $50 cash back bonus if you sign up for an employee card within 2 months of opening your account. You get 2% cash back on all purchases with no expiration and no limits. The annual fee of $59 is waived for the first year.
Capital One Spark Miles Select for Business. This credit card gives cardholders 1 mile for every dollar spent, as well as a 50% bonus on the miles you’ve earned for the year. This card also comes with a 0% introductory APR on purchases. This card gives cardholders no seat restrictions or blackout dates when booking flights. You also get an itemized report of your purchases for free each year. Also, this card has no annual fee.
CitiBusiness ThankYou Card. This card is great for businesses with great credit history. If you spend $3,000 within the first 3 months, you get 15,000 bonus points which is worth $150 in gift cards. You also earn 3 points for every dollar spent on rotating purchase categories as well as 1 point for every dollar spent on all other purchases. As an anniversary bonus, you will receive a percentage of the points you’ve earned for the whole year. This card also comes with 0% APR on all purchases for the first 6 months, and an APR of 13.24% thereafter. This card has no annual fee.
A Few Final Words on Business Credit Cards
For people who own a small business, it is recommended that they have more than one business credit card to maximize all of the features of each card. For instance, you can get a business card with 0% APR if you’re carrying a balance, and a second card you will pay off every month. With this strategy, you can get the most out of the cash back rewards and features of the credit card, and earn rebates for business related expenditures charged to the card.
Small business credit cards help business owners build credit history, so that it will not be linked to your own personal credit history.
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