Top Business Credit Card Offers for Small Business Owners

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Tom Koesternen
Written by
Tom Koesternen
A Chartered Financial Analyst (CFA)
Updated on:
Filed under: Credit Cards

Starting or running a small business can be challenging, and one important aspect of managing your finances is choosing the right credit card to support your business needs. A business credit card can help you streamline expenses, track business spending, and even earn rewards on purchases.

But with so many business credit card options on the market, how do you choose the best one for your business?

When selecting a business credit card, it’s important to consider a few key factors:

  • Rewards program: Does the card offer rewards that align with your business spending? For example, if you frequently travel for work, a card with a generous travel rewards program may be a good fit.
  • Fees: What are the annual fees, balance transfer fees, and foreign transaction fees for the card? These fees can add up, so it’s important to compare the costs of different cards to see which one offers the best value.
  • Interest rates: What is the card’s annual percentage rate (APR) for purchases and balance transfers? A lower APR can save you money on interest charges, especially if you carry a balance from month to month.
  • Additional benefits: Does the card offer any additional perks, such as rental car insurance, extended warranty protection, or access to airport lounges? These benefits can be valuable, especially if you frequently use your business credit card for travel or other purchases that may benefit from added protection.

Top Business Credit Card Offers

There are many business credit card options available, but some stand out as particularly strong choices for small business owners. Here are a few top business credit card offers to consider:

Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is a top pick for its generous rewards program and valuable additional benefits. With this card, you can earn 3x points on the first $150,000 spent in combined purchases on travel, shipping, internet, cable, and phone services each account anniversary year and 1x points on all other purchases. These points can be redeemed for travel through the Chase Ultimate Rewards program, or you can transfer them to participating airline and hotel loyalty programs.

In addition to its rewards program, the Chase Ink Business Preferred Credit Card also offers rental car insurance, extended warranty protection, and purchase protection. It has an annual fee of $95, but this can be well worth it for businesses that frequently make the types of purchases that earn 3x points. The card has an introductory APR of 0% for the first 12 months on purchases and then a variable APR of 15.99% to 20.99% thereafter.

American Express Blue Business Plus Credit Card

The American Express Blue Business Plus Credit Card is another strong choice for small business owners. It offers 2x points on all purchases, with no annual cap on the points you can earn. These points can be redeemed for a variety of rewards, including travel, gift cards, and statement credits.

The American Express Blue Business Plus Credit Card also has a 0% introductory APR on purchases for the first 12 months and then a variable APR of 13.24% to 19.24% thereafter. It has no annual fee, making it a cost-effective choice for businesses that want to earn rewards without paying an annual fee.

Capital One Spark Cash Credit Card

The Capital One Spark Cash Credit Card is a good option for businesses that want to earn cash back on their purchases. With this card, you can earn an unlimited 2% cash back on all purchases, with no annual cap on the cash back you can earn. You can redeem your cash back as a statement credit or check or have it deposited into a Capital One account.

The Capital One Spark Cash Credit Card also has a 0% introductory APR on purchases for the first nine months and then a variable APR of 16.74% to 22.74% thereafter. It has an annual fee of $95, which is waived for the first year.

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Pros and Cons of Each Card

Now that we’ve introduced some top business credit card offers let’s take a closer look at the pros and cons of each one:

Chase Ink Business Preferred Credit Card

Pros:

  • Generous rewards program with 3x points on select business purchases.
  • Valuable additional benefits, including rental car insurance and extended warranty protection.
  • Opportunity to transfer points to participating airline and hotel loyalty programs.

Cons:

  • Annual fee of $95.
  • APR of 15.99% to 20.99% after the introductory period.

American Express Blue Business Plus Credit Card

Pros:

  • Unlimited 2x points on all purchases.
  • No annual fee.
  • 0% introductory APR on purchases for the first 12 months.

Cons:

  • APR of 13.24% to 19.24% after the introductory period.

Capital One Spark Cash Credit Card

Pros:

  • Unlimited 2% cash back on all purchases.
  • 0% introductory APR on purchases for the first nine months.
  • The annual fee is waived for the first year.

Cons:

  • Annual fee of $95 after the first year.
  • APR of 16.74% to 22.74% after the introductory period.

Maximizing Your Business Credit Card Rewards

Now that you know some of the top business credit card offers and their key features, you may be wondering how you can maximize your rewards. Here are a few tips:

  • Choose the card that best aligns with your business spending: As mentioned earlier, it’s important to consider the rewards program and the types of purchases that earn the most points or cash back. By choosing a card that fits your business spending, you can maximize your rewards. For example, if you frequently travel for work, a card with a generous travel rewards program may be a good fit.
  • Use your card for all business expenses: To get the most out of your business credit card, try to use it for as many business expenses as possible. This includes everything from office supplies and software to travel and entertainment expenses. By using your card for all business-related purchases, you’ll be able to rack up points or cash back more quickly.
  • Pay your balance in full each month: It’s important to pay off your business credit card balance in full each month to avoid paying interest on your purchases. This will help you get the most value out of your card and avoid unnecessary costs.
  • Take advantage of bonus offers: Many business credit cards offer bonus points or cash back on certain types of purchases. For example, a card may offer 5x points on office supply purchases or 3% cash back on gas purchases. Look for these bonus offers and try to make the most of them by using your card for those types of purchases.
  • Redeem your rewards wisely: Finally, be sure to redeem your rewards in a way that maximizes their value. For example, if you have a choice between redeeming points for cash back or for travel, consider the value of the points in each redemption option. You may get more value out of redeeming your points for travel if you can get a higher value per point through that redemption option.

Conclusion

In conclusion, choosing the right business credit card can be an important aspect of managing your small business finances. By considering factors such as the rewards program, fees, and additional benefits, you can find a card that fits your business needs and helps you earn rewards on your purchases.

Some top business credit card offers to consider include the Chase Ink Business Preferred Credit Card, the American Express Blue Business Plus Credit Card, and the Capital One Spark Cash Credit Card. Each of these cards has its own pros and cons, so it’s important to do your own research and compare the different offers to find the best fit for your business.

By maximizing your rewards and using your business credit card wisely, you can get the most value out of your card and support your business needs.

FAQ

Can I use a personal credit card for my business expenses?

While you can use a personal credit card for business expenses, it may be more beneficial to get a separate business credit card. Business credit cards often have rewards programs and benefits that are tailored to business needs, such as higher rewards on business-related purchases and added protection for business expenses. Additionally, using a separate business credit card can help you keep track of your business spending and make tax time easier.

How do I apply for a business credit card?

To apply for a business credit card, you will typically need to provide some basic information about your business, including its name, address, and type of business. You may also need to provide personal information about yourself, such as your name, address, and Social Security number. Some card issuers may also require financial information about your business, such as your annual revenue or the number of employees.

Do I need to have a business to get a business credit card?

In most cases, you will need to have a registered business to qualify for a business credit card. However, some card issuers may allow you to apply for a business credit card if you are a freelancer or solopreneur. It’s a good idea to check with the card issuer to see what their requirements are for obtaining a business credit card.

Is it easier to get approved for a business credit card than a personal credit card?

The approval process for a business credit card may be different than the process for a personal credit card. Some card issuers may place more emphasis on your business credit history and financial information when considering your application for a business credit card. However, it’s ultimately up to the individual card issuer and their specific criteria for approval.

Are there any resources for small business owners to help them manage their credit?

Yes, there are many resources available to help small business owners manage their credit. Here are a few useful government resources:
– The Small Business Administration (SBA) offers a variety of resources to help small business owners manage their credit, including information on how to build business credit, how to access financing, and how to protect against credit fraud. You can learn more at the SBA’s finance page.
– The Federal Trade Commission (FTC) has resources to help small business owners understand and protect their business credit. You can find information on topics such as how to dispute errors on your credit report, how to prevent credit fraud, and how to access credit resources. You can learn more at the FTC’s business credit page.
By taking advantage of these resources and staying informed about your business credit, you can better manage your credit and support the financial health of your business.

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