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Best Credit Card for a Business

Published By Janet Gershen-Siegel at January 23rd, 2019

Get the Best Credit Card for a Business and Crush Your Competition!

Are you looking for the best credit card for a business? Your competitors sure are!  We inspected a lot of corporate credit cards. So here are our favorites.

Per the SBA, company credit card limits are 10 – 100 times those of personal cards! This means you can get a lot more cash with corporate credit. And it also means you can have personal credit cards at shops. And you would now have an alternate card at the same stores for your company.

And you won’t have to provide collateral, cash flow, or financial information in order to get corporate credit.

The Best Credit Card for a Business: Credit card Advantages

Perks vary. So make certain to pick the perk you prefer from this selection of choices.Best business card for a business

Check out how our reliable process will help your business get the best business credit cards.

The Best Credit Card for a Business: Small Business Credit 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 have to have a credit score of 690 or higher. KEEP IN MIND: the ongoing APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

The Best Credit Card for a Business: Business Credit Cards for Travel Points

For Travel Points, we prefer the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. So this is after you make $1,000 in purchases on your new card. But this is within your first three months. Terms and limitations apply.

In addition earn a $50 statement credit. But that is after you make a Delta purchase with your new card. And it must be within your first three months.

Earn two miles per dollar spent on purchases made straight with Delta. And earn one mile on each qualified dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum Card 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 register for the Starwood Preferred Guest program. There is also a $200 annual air travel fee credit. There is a $100 credit towards the Global Entry application fee. So this includes access to TSA PreCheck program.

You get one point for every dollar spent on most purchases. And you get 1.5 times the points on charges of $5,000 or more. But this is on eligible purchases. So it is up to one million more points each year.

You get five points per dollar. But that must be spent purchasing flights and prepaid hotels from the American Express Travel website.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred Card from Chase

Also, make sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points. So this is after you spend $5,000 on purchases. But this is within your first 3 months from account opening.

Earn three points per dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines each account anniversary year.

Earn one point per dollar on all of the other purchases. There is no restriction to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred Best business card for a business

Check out how our reliable process will help your business get the best business credit cards.

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.

But there is a 3% balance transfer charge. Afterwards, the purchase APR is a variable 10.49% – 18.49%. So this is dependent on creditworthiness.

There is no yearly fee. This card is only on offer to people with great or superb credit. Unfortunately, there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus Credit Card from American Express

Also, check out the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no yearly fee. Right now companies can earn double points on the initial $50,000 in purchases per year.

Get it here: https://creditcard.americanexpress.com/blue/

The Best Credit Card for a Business: Credit Builder Small business Credit Cards

Take a look at the Wells Fargo Business Secured Credit Card. It enables cardholders to get a credit limit of $500 – $25,000. The amount offered corresponds to the amount of funding you furnish to secure the line.

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 yearly fee will be.

This card allows small business owners with bad personal credit to get a card to make purchases and set up business credit.

But the card will just report to the personal credit agencies if you default or are late on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

Best business card for a business

Check out how our reliable process will help your business get the best business credit cards.

The Best Credit Card for a Business: Cards for Rewards

Have a look at the Business Gold Rewards Card from American Express OPEN. You can earn 50,000 Membership Rewards points. But that is after $5,000 in purchases on the card. But that is 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 you earn one point per dollar on all other purchases.

It has a $0 yearly fee for the first year. But then your yearly fee climbs to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards.

Business Platinum ® Card from American Express OPEN

Also, check out the Business Platinum ® Card from American Express OPEN. You can earn as many as 75,000 Membership Rewards points. But that is upon account opening.

You can also earn 50,000 Membership Rewards points. But this is subsequent to spending $10,000.

And get an extra 25,000 points. But that is after spending an added $10,000 all on qualified purchases. And it must be within first three months.

Additionally you can get five times the Membership Rewards points. So this is on airline flights and prepaid hotels on amextravel.com. But it has a $450 annual fee.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

swatch - Best Credit Card for a Business

The Best Credit Card for a Business: Cards with 0% APR

For a 0% APR time period, we like the Ink Business Cash ℠ Credit Card. You pay no yearly cost.

It’s got an interest-free period. And it has versatile cash-back rewards. There are spending limits for employees. But you will have to have a credit score of 690 or higher.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus Credit Card from American Express

For an introductory 0% APR time period, we also go for the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for 15 Months.

You can earn double points on typical business purchases. But that is up to annual limit. The regular APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/ Best business card for a business

Check out how our reliable process will help your business get the best business credit cards.

The Best Credit Card for a Business: Cards for Cash Back

Check out the SimplyCash Plus Business Credit Card from American Express. You can earn as much as $400 cash back. Get a $200 statement credit. But that is after spending $5,000.

You get 5% cash back at US office supply stores and on wireless phone services. But this is if they are bought straight from US service providers. So this applies to the first $50,000 of annual spending. 

You also get 3% cash back on spending category of your choice. And this is from eight different categories, consisting of airfare, gas, advertising and computer purchases.

So this applies to the first $50,000 of annual spending. In addition you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard Credit Card

best business credit cardsAlso, take a look at the Bank of America Business Advantage Cash Rewards MasterCard Credit Card. With it, you can get a $200 statement credit. But that is after $500 in purchases. But this is within 60 days of account opening.

You also get 3% cash back on purchases at gasoline stations and office supply stores. So this is as much as $250,000 per year.

And you get 2% cash back on purchases at restaurants. Also, get 1% cash back on all purchases.

So there is no annual fee. It is on offer to applicants with excellent credit. You can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Spark Cash Select from Capital One

In addition, take a look at the Spark Cash Select from Capital One. You get 1.5% cash back on all purchases. So this is without any limits.

New cardholders can also get a $200 cash bonus. But that is once they spend $3,000 on new purchases. And it must be within three months of account opening.

New customers also get introductory APR of 0% on purchases for nine months. There is no annual fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Your Best Credit Card for a Business

Your best credit card for a business will hinge upon your credit history and scores. Just you can figure out which features you want and need. So make sure to do your homework.

And, as always, make sure to build credit in the established order for the maximum, fastest benefits. Check out how this will help your company get the best credit card for a business.

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