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 |  | We've compiled a list of the best Business Credit Card Deals available for this month. Business Credit CardsCompare small business credit cards and apply online |
Find the best credit card for your small business. Enjoy the security and benefits that only a business card can provide -- a reliable cash source, credibility, rewards, accountability and increased security.
Best Business Credit Card 
  Business Credit Cards | | - Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Cash back rewards do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
- Go to issuer's official application, terms, and details
| | | | Our Review: Free of annual fees, the Ink Cash Business Card helps small business owners earn cash rewards right away thanks to an introductory cash back offer. Bonus rewards categories and an introductory 0% APR sweeten the deal even more. The Ink Cash Business Card by Chase is a great bet for small businesses who plan on using their card within the US and want the simplicity of cash rewards... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | 0% for 12 months | 10.24% (Variable) | $0 |
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Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program.
How to Choose the Best Business Credit Cards for Small BusinessAs a small business owner, credit is vital, but with so many credit cards for business offers available to you, how do you decide which one is right for you and your business? Consider these three factors to help you narrow down your selection: If you plan to pay your balance in full each billing cycle, look to maximize rewards with a business credit card with rewards, such as airline miles or cash back.
If you plan to carry a balance, look for a card with a low APR. Avoid charge cards, because they usually require that your balance is paid in full each billing cycle.
If you need help managing cash flow, consider The Plum Card. With this card, you can pay in full within 10 days and get a 1.5% discount, or pay as little as 10% and take up to 2 interest-free months to pay off the balance.
Compare Business Credit Cards
| | - FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
- Earn points even faster to get more rewards for your business
- 3X points on airfare | 2X points on advertising, gas, and shipping |1X points on everything else*
- One million rewards from over 500 brands
- 24/7 support for everything from identity theft to travel emergencies
- $0 introductory annual fee for the first year, then $175
- Get unlimited Additional Gold Cards for an additional annual membership fee of $50 - and this fee is waived for the first year
- Terms & Restrictions Apply.
| | | | Our Review: The American Express Business Gold Rewards Card is a fantastic card for established businesses. It has one of the best rewards programs on the market. New business owners should be aware of the high annual fee and tough credit score requirement. However, if your business is stable and has great credit, it is hard to find a better rewards card than the American Express Business Gold... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | N/A | $175 |
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| | - The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
- Pay in full within ten days, get a 1.5% discount
- OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
- $0 introductory annual fee for the first year, then $185
- A powerful cash flow management tool
| | | | Our Review: With flexible payment options, a unique discount for prompt payment and access to travel and business protections, the Plum Card offers the great benefits businesses have come to expect from American Express. Although it has an annual fee, this card can be a great value for business owners looking for a flexible charge card for managing cash flow... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | N/A | $185 |
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| | - Earn up to 50,000 bonus points - 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
- Earn up to 5X points per dollar on eligible business purchases, and points do not expire
- No foreign transaction fees
- Free Employee Cards
- No interest charges because it's a pay-in-full charge card
- Transfer points you've earned to participating frequent travel programs at a 1:1 value
- No Annual Fee in the first year - a $95 savings
| | | | Our Review: The Ink Bold Business Card by Chase is a charge card that offers small business owners a flexible rewards program and an assortment of travel benefits. These perks come at a low annual fee of $95, with the first year waived... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | N/A | $95 |
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| | - Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
| | | | Our Review: The Starwood Preferred Guest Business Card is one of the best travel cards for business owners. This card earns rewards points on virtually all purchases, which you can redeem for free flights and nights at Starwood Hotels, like the Sheraton and the W... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | 15.24% - 19.24% (Variable) | $65 |
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| | - FOR A LIMITED TIME: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months.
- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in–flight refreshments, and change fees.*
- 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
- Complimentary airport club access to 600+ partner lounges, a $950/yr value
- By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
- No pre-set spending limit*
| | | | Our Review: The Business Platinum Card from American Express offers top-of-the-line benefits—including Airport Club Access and a $200 Airline Fee Credit—to business travelers. The card also features a rewards program and a whole suite of protection that covers travel accidents and business purchases... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | N/A | $450 |
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| | - Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
- Check your first bag free– for up to 8 people on your reservation– on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Priority Boarding and 20% In-Flight Savings
- $0 intro annual fee for the first year, then $95
- No annual fee for Additional Cards
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
| | | | Our Review: Business owners who want to save on air travel with Delta should check out the Gold Delta SkyMiles Business Card by American Express. The card combines great benefits – like a 30,000
mile bonus offer and a $99 Companion Certificate – with world-class American Express customer service. Below I'll outline the features of this card, so you can decide whether the $95 annual fee is a good investment for your business... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | | - | - | 15.24% - 19.24% (Variable) | $95 |
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| | - Designed for businesses with an established credit history
- 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
- Earn 5 ThankYou Points® For Every Dollar You Spend On Eligible AT&T Products and Services
- Earn 3 ThankYou Points® For Every Dollar Spent On Purchases at Certain Office Supply Merchants, Gas Stations, and On Professional Services and 1 ThankYou Point® For Every Dollar Spent On Other Purchases
- Additional Cards For Employees With Credit Limits You Set
- No Annual Fee*
| | | | Our Review: Does your business use AT&T as its internet and phone provider? If so, you should check out the AT&T Universal Business Rewards Card, offered by Citibank. This card earns points on all purchases, plus bonus points for money spent at AT&T. This gives you the chance to earn free merchandise and cash back while paying your company’s monthly phone and internet bill... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 6 months | - | 14.24% (Variable) | $0 |
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| | - Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 1 point per dollar on all other card purchases with no limit on the amount you can earn
- Points do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
| | | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 12 months | 0% for 12 months | 10.24% (Variable) | $0 |
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| | - Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
- No annual membership fee
| | | | Our Review: True to its name, the American Express SimplyCash Business card gives business owners an easy way to earn cash back on purchases. This card earns unlimited cash back on virtually all purchases as well as bonus cash back for purchases in special categories. Your cash back is automatically credited against your card balance, so you don’t have to worry about managing your rewards. Because this card doesn’t have an annual fee, it offers an inexpensive way to earn cash back... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | APR as low as | Annual Fee | 0% for 6 months, 9 months or 12 months, based on your creditworthiness | - | 12.24% - 19.24% (Variable) | $0 |
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Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program. Disclaimer: This content is not provided or commissioned by Chase. Opinions expressed here are author's alone, not those of Chase, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through Chase Affiliate Program. Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.
Business BenefitsWhat are the Benefits of Business Credit Cards?- Accessing a Cash Source: Immediate, convenient source of cash. They can be used to pay vendors, order supplies and cover travel expenses. The use of credit cards topped the list of financing sources for small businesses last year, according to a 2008 survey by the National Small Business Association.
- Developing Business Credibility: Help establish a successful record and credit history until more capital is readily available.
After taking the leap to open a small business, it’s important to help maintain business credibility by being financially responsible. Business credit cards can help maintain your credibility by allowing you to pay periodic expenses on time without tarnishing your relationships with vendors.
- Earning Rewards for Your Bottom Line: Credit cards aren’t just for charging needless expenses. The perks of most cards today can actually impact your business in a positive way. Today’s credit cards allow you to gain rewards for your business, including freebies, discounts and cash back, which can help your business grow.
- Building a Solid Credit History: Help establish a respectable credit history. They may allow you to pay off the entire balance before the due date. Another option for businesses is a card with a high spending limit that will allow you to carry a balance. With a balance, payments are more manageable when cash flow is not certain.
Allows for better record-keeping of purchases. Credit card statements allow you to monitor your records, employee spending, and any changes to the terms of your agreement.
- Managing Tax Matters: Not only do credit card statements help you sort your expenses come tax time, they may also come in handy when a tax bill needs to be paid and your cash flow is dry. While it’s not advisable that you do so often, the Internal Revenue Service has begun accepting credit cards for tax payments.
- Enjoying Increased Security: Many credit card companies protect the user against poor merchandise and undelivered service – giving the small business owner peace of mind about inventory purchases and new vendors.
With the increasing demand from businesses, credit cards have become the "it" product for small business financing.
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