Looking for a credit card that can help your small business thrive? Our expertly curated list of the best business credit cards has got you covered.
As a small business owner, having a credit card that can help you manage expenses and earn rewards is essential. But with so many options available, it can be overwhelming to choose the right one. That’s why we’ve put together a list of the best business credit cards, based on factors like rewards programs, interest rates, and fees.
Chase Ink Business Preferred.
The Chase Ink Business Preferred card is a top choice for small business owners who want to earn rewards on their spending. With this card, you can earn 3 points per $1 spent on travel, shipping, internet, cable, and phone services, as well as advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases each account anniversary year). Plus, you’ll earn 1 point per $1 spent on all other purchases. The card also offers a sign-up bonus of 100,000 points after you spend $15,000 in the first 3 months, which is worth $1,250 when redeemed through Chase Ultimate Rewards.
American Express Business Gold Card.
The American Express Business Gold Card is a great option for small business owners who want flexibility in earning rewards. With this card, you can earn 4 points per $1 spent on the two categories where your business spends the most each billing cycle (from a list of six categories), up to $150,000 in combined purchases each calendar year. You’ll also earn 1 point per $1 spent on all other purchases. The card offers a sign-up bonus of 70,000 points after you spend $10,000 in the first 3 months, which is worth up to $700 when redeemed for travel through American Express. Additionally, the card comes with a suite of business tools and benefits, including expense management tools and purchase protection.
Capital One Spark Cash for Business.
The Capital One Spark Cash for Business is a great option for small business owners who want a straightforward cash back rewards program. With this card, you’ll earn unlimited 2% cash back on all purchases, with no minimum spending requirements or rotating categories to keep track of. The card also offers a sign-up bonus of $500 after you spend $4,500 in the first 3 months. Additionally, the card comes with a suite of business tools and benefits, including free employee cards, fraud coverage, and purchase protection.
Discover it Business Card.
The Discover it Business Card is a great option for small business owners who want a credit card with a strong rewards program. With this card, you’ll earn 1.5% cash back on all purchases, with no annual fee. Additionally, the card offers a sign-up bonus of up to $1,000 cash back when you spend $10,000 in the first year. The card also comes with a suite of business tools and benefits, including free employee cards, fraud coverage, and purchase protection.
Bank of America Business Advantage Cash Rewards Mastercard.
The Bank of America Business Advantage Cash Rewards Mastercard is a top choice for small business owners who want a credit card with cash back rewards. With this card, you’ll earn 3% cash back on purchases in a category of your choice (such as gas stations, office supply stores, or travel), 2% cash back on purchases at restaurants, and 1% cash back on all other purchases. There’s no annual fee, and you can earn a $300 statement credit when you make at least $3,000 in net purchases within the first 90 days of account opening. Plus, you’ll get access to a suite of business tools and benefits, including free employee cards and purchase protection.
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