Get the Best Credit Card for a Small Business

Are you in search of the best credit card for a small business?

We inspected a ton of small business credit cards. So here are our favorites.

According to the SBA, company credit card limits are 10 – 100 times those of personal cards! This shows you can get a lot more money with company credit. And it also means you can have personal credit cards at shops. So you would now have a second card at the same shops for your small business.

And you will not have to put up collateral, cash flow, or financials to get small business credit.

The Best Credit Card for a Small Business: Card Advantages

Perks vary, so make certain to choose the advantage you prefer from this selection of alternatives.

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

For Travel Points, we like 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 during your first three months. Terms and limitations apply.

In addition earn a $50 statement credit. But this is after you make a Delta purchase with your brand new card. And this is during your first three months.

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

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

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

For a 0% APR period, we prefer the Ink Business Cash ℠ Credit Card. You pay no annual cost. It’s got an interest-free period. It has flexible cash-back rewards.

There are spending limits for your employees. But you will have to have a credit score of 690 or better.

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 period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for fifteen Months. You can earn twice the points on day-to-day company expenses. But that is up to an annual limit.

The normal APR is 12.24% – 20.24%. So the APR is variable.

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

The Best Credit Card for a Small Business: Corporate Credit Cards for Fair Credit

For Fair Credit, we are partial to the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards.

But you will need a credit score of 690 or better. NOTE: the standard 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 Small Business: Low APR/Balance Transfers Business Credit Cards

Blue Business Plus Credit Card from American Express

Take a look at the Blue Business Plus Credit Card from American Express. It has a fifteen month initial 0% APR offer. So there is no annual fee. Right now small businesses can get double points on the initial $50,000 in purchases annually.

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

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

Have a look at the Wells Fargo Business Secured Credit Card. It allows cardholders to get a credit limit of $500 – $25,000. The amount available equals the amount of cash you provide to secure the line. Your purchase APR rate can be as low as a variable 13.15%.

The yearly fee is $25. But the more cards you have the higher your yearly fee will be. This card allows business owners with poor personal credit to get a card to make purchases and establish business credit. The card will only report to the personal credit bureaus if you default or are behind on payments.

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

The Best Credit Card for a Small 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. So this is after $5,000 in purchases on the card. But this is during first three months.

You get three points on your choice of five categories. And you get two times the points on the remaining categories.

Also, get one point per dollar on all other purchases. It has a $0 annual fee for the first year. But afterwards your annual fee goes up to $175.

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

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

Consider the SimplyCash Plus Business Credit Card from American Express. You can earn up to $400 cash back. Earn a $200 statement credit. But this is after spending $5,000.

You get 5% cash back at US office supply stores and on wireless phone services. But they must be bought directly from US service providers. So this applies to the initial $50,000 of yearly spending.

You also get 3% cash back on the spending category of your choice. So this is from eight distinct categories. And these include airfare, gas, advertising and computer purchases. So this applies to the initial $50,000 of yearly 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

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. And this is with no limits.

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

New customers also get initial APR of 0% on purchases. And that is 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 Small Business

Your optimal small business credit cards hinge on your credit history and scores. Just you can determine which features you want and need, so make sure to do your due diligence.

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