Any entrepreneur needs to choose the proper business credit card. The best business credit cards provide an array of perks, which include rewards, low interest rates, and outstanding customer support. Look at these top 10 business credit cards you should evaluate.
Chase Ink Business Preferred® Credit Card
If you travel often, the Chase Ink Business Preferred® Credit Card is one of the best business credit cards available. It presents a large sign-up bonus and gains 3 points for every dollar spent on travel and dining. You receive 1 point on all other purchases as well. The benefits offered by the annual fee justify its being reasonable.
Key Benefits:
- 100,000 bonus points available after meeting the spending requirement of $15,000 within the first 3 months.
- No foreign transaction fees.
- Comprehensive travel protections.
American Express Business Gold Card
The American Express Business Gold Card is one more excellent choice. This card lets you collect 4 points per dollar spent in the two categories that see the most of your monthly spending. Due to its flexibility, this card ranks as one of the best credit cards for businesses with many spending habits.
Key Benefits:
- Receive 70,000 Membership Rewards points when you spend $10,000 in your first 3 months.
- Zero cost for the first year, and afterwards, $295.
- Entry to unique business privileges.
Capital One Spark Cash for Business
Anyone who adores cash back will find the Capital One Spark Cash for Business to be perfect. This card supplies an uncomplicated cash-back initiative that earns 2% back on all purchases. As a result, this makes this card one of the best business credit cards for people who value simplicity.
Key Benefits:
- $500 cash reward given after spending $4,500 in the first 3 months.
- No fee for the first year, and then $95 afterwards.
- No foreign transaction fees.
Discover it® Business Card
Small businesses that wish to sidestep annual fees will find the Discover it® Business Card to be a great option. You receive 1.5% cash back on every purchase, and there’s a matching offer on the cash back you earn in your first year.
Key Benefits:
- No annual fee.
- There is 1.5% cash back available on all purchases.
- Free employee cards.
U.S. Bank Business Platinum Card
With this card, you get an initial 0% APR for 20 billing cycles, which makes it the perfect choice for managing your cash flow.
Key Benefits:
- No annual fee.
- 0% APR for 20 billing cycles from the start.
- Flexible payment options.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card gives a reduced introductory APR for new purchases as well as for balance transfers.
Key Benefits:
- No annual fee.
- There is a 0% Annual Percentage Rate for the opening 9 months.
- Expense tracking tools.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Travelers who fly with American Airlines will find this card particularly useful. It generates 2 miles in the AAdvantage program for each eligible purchase.
Key Benefits:
- 4,000 spending in the first 4 months earns you 65,000 bonus miles.
- Domestic flights include a free checked bag.
- Preferred boarding.
Blue Business® Plus Credit Card from American Express
Growing businesses can find the Blue Business® Plus Card a terrific option due to its offering of 2 points per dollar on expenditures up to $50,000 annually.
Key Benefits:
- No annual fee.
- 0% intro APR available for the first twelve months on purchases.
- Flexible payment options.
Hilton Honors American Express Business Card
Great for hotel bookings, this card rewards 12 Hilton Honors points for every dollar spent at hotels within the Hilton brand.
Key Benefits:
- You’ll receive a total of 130,000 bonus points after you spend $3,000 in your first 3 months.
- Complimentary Gold status.
- No foreign transaction fees.
Bank of America Business Advantage Cash Rewards Mastercard®
This card delivers 3% cash back in a category that you choose, providing flexibility for various business intentions.
Key Benefits:
- After spending $3,000 during the first 90 days, you can earn a $300 statement credit.
- No annual fee.
- 0% APR on purchases for the first 9 billing cycles.
Conclusion
Picking the best business credit cards can simplify your finances and reward how you spend money. Think about your business necessities, consisting of travel, cash rewards, or inexpensive interest rates, to identify the optimal solution. Take the time to look at features and find the card that fits your intentions. The right choice can produce important advantages for your business.
