In addition to making you appear professional, small business credit cards come with a variety of benefits. Carefully choose your card, and you can enjoy rewards like cash back, travel mileage and 0% introductory interest rates.
Business credit cards vary when it comes to perks, so it pays to shop around. Luckily, we’ve done the legwork for you! The following five top-rated small business cards offer reasonable interest rates and some of the most generous rewards in the industry.
Ink Cash® Business Credit Card
This card features a wide variety of rewards, with the most lucrative being the generous cash rebate program. On an annual basis, receive five percent cash back on the first $25,000 you spent over the prior year on telecommunications, cable and supplies. You also earn 2% cash back on dining and gas expenses and 1% on other purchases. The no annual fee card also offers a 12-month 0% introductory APR for balance transfers.
Capital One® Spark® Miles for Business
This popular travel bonus card allows you to earn 25,000 miles if you spend $5,000 on purchases within the first three months. Also earn 5,000 bonus miles when you get an employee a card within the first 60 days. Thereafter, earn two miles for every dollar you spend on all your purchases. Miles never expire and can be used for travel on any airline, cash, gift cards and merchandise. The card features a 0% annual fee for the first year and $59 per year thereafter. No foreign transaction fees.
U.S. Bank FlexPerks® Business Edge™
Another travel rewards card that offers attractive perks, this card earns you 20,000 enrollment points when you spend $3,500 in the first four months. Also earn three points on each $1 of charitable donations , two points on supplies, gas, air travel and cellphone charges, and one point on other purchases. When you use points for air travel at one of the more than 150 eligible airlines, you also get $25 to spend on items like in-flight food, beverages and baggage fees. The membership fee is zero the first year and $55 from then on, unless you spend more than $24,000 each year.
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Enjoy a variety of travel-related perks with this card. Earn 50,000 American Airlines AAdvantage® mileage points when you buy $3,000 in purchases within the first three months. Get two miles for each $1 spent on American Airlines purchases and some business categories and one mile for every $1 spent on other purchases. When traveling, your first checked bag is free, and you get priority boarding. Also save 25 percent on in-flight purchases. No membership fee the first year, but $95 annually thereafter.
Ink Plus® Business Credit Card
Earn 40,000 bonus points if you spend $5,000 in the first three months. Thereafter, rack up five points each time you spend $1 for office supplies and phone, internet and cable TV services, and earn two points for each $1 spent on gas and hotels. Benefits also include travel insurance and a 0% annual fee for the first year followed by $95 annually.
Choosing the merchant card that’s right for you will depend on your business and spending habits. Take some time to check out these small business credit card options, and you’re bound to choose the best one for your business.
Would you like your next major business purchase to be paid for by credit card rewards? Get your free copy of The Ultimate Guide to Business Credit Cards: The Small Business Owner’s Handbook. In this 21 page eBook, you can learn:
- How to use a business credit card without affecting your personal credit.
- The simplest ways to separate business and personal spending.
- How to check your credit report for free.
- How to rack up rewards to finance business purchases (or your next vacation).
- How to use a credit card in place of a short-term loan.
- How to ensure employees aren’t using their work credit cards for personal use.
- And much more!
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