Get the Best Business Credit Cards of the Year and Keep Your Company Going Strong
According to the SBA, business credit card limits are 10 – 100 times that of personal cards! This means you can get a lot more money with business credit.
And this also means you can have personal credit cards at stores. And you would now have a second card at the same stores for your business. Plus you won’t need collateral, cash flow, or financials to get business credit. These are the best business credit cards 2019.
Best Business Credit Cards of the Year: Card Benefits
Benefits vary, so make sure to choose the benefit you prefer from this array of options.
Best Business Credit Cards of the Year: Cards with 0% APR
For a 0% APR period, we like the Ink Business Cash℠ Credit Card. You pay no annual fee. It’s got an interest-free period. It has flexible cash-back rewards. There are spending limits for employees. But you are going to need a credit score of 690 or better.
Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash
Blue Business Plus from American Express
For the best business credit cards no annual fee with an introductory 0% APR period, we also like the Blue Business℠ Plus Credit Card from American Express. It has an introductory 0% APR for fifteen Months. You can earn double points on everyday business purchases up to annual cap.
The regular APR is 12.24% – 20.24%. So these rates are variable.
Get it here: https://creditcard.americanexpress.com/blue/
Best Business Credit Cards of the Year: Cards for Fair Credit
For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. You will need a credit score of 690 or better.
NOTE: the ongoing APR is 23.99% variable APR.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Best Business Credit Cards of the Year: Cards for Travel Points
For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles after you make $1,000 in purchases on your new card during your first three months. Terms and limitations apply.
Also earn a $50 statement credit. But this is after you make a Delta purchase with your new card. And it has to be during your first three months. You can earn two miles per dollar spent on purchases made directly with Delta. Also, earn one mile on each eligible dollar spent on purchases.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279
Business Platinum from American Express
Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:
- Priority Pass Select
- Delta SkyClubs
- American Express Centurion Lounges
You also receive Gold Status when you sign up for the Starwood Preferred Guest program. You get a $200 annual air travel fee credit. There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program.
You get one point per dollar spent on most purchases. You get one and a half times the points on charges of $5,000 or more. So these are on qualifying purchases. And this is up to one million extra points per year.
Also, you get five points per dollar spent purchasing flights. And you can also get five points to the dollar on prepaid hotels from the American Express Travel website.
It is definitely one of the best luxury business credit cards.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
Best Business Credit Cards of the Year: Low APR/Balance Transfers Business Credit Cards
For Low APR/Balance Transfers Business Credit Cards, we like the U.S. Bank Business Edge Platinum. You start off with twelve months of 0% APR financing. So this is on new purchases and balance transfers. There is a 3% balance transfer fee.
And after that, the purchase APR is a variable 10.49% – 18.49%. But this depends on creditworthiness.
And there is no annual fee. This card is only available to those with great or excellent credit. But there is no rewards program for purchases.
Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do
Blue Business Plus from American Express
Also, make sure to check out the Blue Business Plus Credit Card from American Express. It has a fifteen month introductory 0% APR offer. And there is no annual fee.
Right now businesses can earn double points. So this is on the first $50,000 in purchases every year.
Get it here: https://creditcard.americanexpress.com/blue/
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Best Business Credit Cards of the Year: Credit Builder Business Credit Cards
Check out the Wells Fargo Business Secured Credit Card. It allows cardholders to secure a credit limit of $500 – $25,000. The amount available equals the amount of cash you provide to secure the line. Also, your purchase APR rate can be as low as a variable 13.15%.
The annual fee is $25. But the more cards you have, the higher your annual fee will be.
This card allows business owners with poor personal credit to get a card to make purchases and establish business credit. But the card will only report to the personal credit bureaus if you default or are late on payments.
Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/
Best Business Credit Cards of the Year: Cards for Cash Back
Spark Cash Select From Capital One
In addition, check out the Spark Cash Select from Capital One. You get 1.5% cash back on all purchases, with no limits. New cardholders can also get a $200 cash bonus. But this is once they spend $3,000 on new purchases within three months of account opening.
New customers also get introductory APR of 0% on purchases for nine months. And there is no annual fee.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Best Business Credit Cards of the Year: Cards for Rewards
Check out the Business Gold Rewards Card from American Express OPEN. You can earn 50,000 Membership Rewards points after $5,000 in purchases on the card within first three months.
You get three points on your choice of five categories. Also get two times the points on the remaining categories. And get one point per dollar on all other purchases.
It has a $0 annual fee for the first year. But then your annual fee goes up to $175.
Get it here: https://www.americanexpress.com/us/small- business/credit-cards/business-gold-rewards
Your Best Business Credit Cards of the Year
Your best business credit cards of the year depend on your credit history and scores.
Only you can decide which perks you want and need, so make sure to do your due diligence.
And, as always, make sure to build credit in the recommended order for the max, fastest benefits. Check out how this will help your company get business credit cards.
