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Business Credit Cards

Business Credit Card Offers: July 2016

We've compiled a list of the 7 Business Credit Card Offers currently available on CreditDonkey.

Business Credit Cards

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So many decisions, so little time. Such is the fate of the small-business owner who needs to keep customers happy and keep the revenue coming. Who has time to figure out which credit card makes sense for the business? We lay out what you need to know, from cards that give cash back to those that will give your company a break on hotel stays.

SimplyCash Plus Business Credit Card from American Express

SimplyCash Plus Review

Limited time offer: Learn how you can earn a $250 statement credit
The Blue for Business Credit Card from American Express

Blue for Business Review

Limited time offer: Learn how you can earn up to 20,000 bonus points
Starwood Preferred Guest Business Credit Card from American Express

Starwood Preferred Guest Business Credit Card Review

Learn how you can earn 25,000 bonus Starpoints

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How to Choose a Small Business Credit Card

For small business owners, credit is vital. But with so many credit cards available that are designed for businesses, how can you decide which one is right for you and your company? Consider these factors to help you narrow down your selection (and be sure to scroll down to easily compare current promotions):

  • 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 be paid in full each billing cycle.

What Type of Rewards Is Right for Your Business?

Business owners are all in favor of earning more rewards while reducing costs. The banks know this — that’s why they keep flooding your mailbox with enticing reward promotions. They all give different reasons to sign up. How can you go about picking the right rewards program for your business?

Here’s what it comes down to: Think about how your business spends money. All those office supplies, cell phone charges, gas station receipts, wining and dining of clients, airfare, hotel stays, and advertising expenses add up. And they add up quickly.

Consider what type of expenses you are most likely going to put on your next card. Which of the following categories will be most represented or desired?

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  • Travel: If a big chunk of your budget goes toward sending your employees to other places, paying for employees to stay near your office on occasion, or footing the bill for car rentals, then a travel-related business credit card is the way to go. While these cards tend to have higher annual fees, they can be deeply rewarding as you accumulate rewards that can be used to shave off the totals of hotel stays or airfare.

  • Cash is still king: Who doesn’t like a cash? If you want rewards but want it in a simple format, then narrow your search to a cash back credit card such as the SimplyCash Plus from American Express, a CreditDonkey advertiser.

What to Consider When Choosing a Credit Card for Your Business

Small business owners often rely on credit for day-to-day operations, making a reliable credit card vital for keeping their company up and running. Many owners tend to lean on their personal credit card to pick up those costs. However, it’s a smart move to use a small business-oriented credit card instead. This will help keep your personal and business expenses separate, which can be a lifesaver for accounting purposes and for maintaining your personal credit score.

Keeping your personal and business finances separate when possible is a fairly easy decision. In contrast, choosing the right credit card for your small business can become overwhelming. Thankfully, here are three factors that will help you zero in on the credit card for your specific needs.

  1. Cost
    As with any aspect of a small business, costs are important. Interest rates and annual fees are the two main costs associated with credit cards before you make your choice:

    • Interest Rate: Keep in mind that many of the cards also come with introductory rates. Don’t forget to read the full offer details, so you’ll know what the rate will be after the introductory period.

    • Annual Fee: The annual fee amount can vary greatly depending upon the perks that come with the card. Generally speaking, business rewards credit cards are going to have slightly higher interest rates and annual fee to help the card issuer offset the expense of the rewards and benefits. For that reason, make sure to weigh the benefits of the card with the associated rewards.

  2. Rewards
    If you plan to pay your balance in full each billing cycle, then a rewards credit card may be a smart option for your small business. Your ability to pay on time is a critical factor, since rewards credit cards often feature a slightly higher interest rate than traditional credit cards. There are a variety of rewards options now available, so consider what would most benefit your small business:

    • Cash Back: Earn cash back on a percentage of your spending

    • Travel: Earn points or miles for airlines, car rentals, and hotels. This is a great option for small businesses with employees who travel extensively

    • Reward Points: Many of the cards allow you to earn points that can be redeemed for a variety of merchandise. Evaluate the merchandise offering in terms of value for your company’s needs.

    While you’re comparing rewards options, read the fine print—take a look at spending caps and any other limits that may come with the rewards program. This step will help ensure that you’re choosing a card with perks that you can fully utilize.

  3. Credit versus Charge Card
    Decide if you’re in the market for a credit card or charge card.

    Like personal credit cards, business credit cards allow you to carry a balance over into the next billing period, but with interest. This allowance gives small businesses the ability to pay off an expense over time.

    Alternatively, business charge cards usually require the balance to be paid in full during each billing cycle. This distinction typically isn't a realistic route for cash-strapped start-ups, and is better suited for more-established businesses.

If you pay attention to the factors above while checking out current promotional offers, you should be able to find a card you can put to work for your business.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Infographics: How to Build Business Credit

How to Build Business Credit

Small business owners need to build business credit so they can continue to make investments and grow. Learn how with our infographic guide.


SimplyCash Plus Business Credit Card from American Express
Read ReviewApply for SimplyCash Plus Business Credit Card from American Express
At American Express' Secure Site
  • Limited Time Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by August 3, 2016
  • No Annual Fee. Plus, more buying power and more cash back
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement
  • Terms and limitations apply
  • See Rates & Fees
Introductory Bonus Cash BackCash Back RewardsOffice RewardsDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance$0 Fraud Liability
Our Review: Do you want a simple way to earn cash back with no annual fee? True to its name, the SimplyCash Plus helps small-business owners earn cash back on purchases without having to think much about it. And they can get bonus cash back for purchases in specific categories, which we’ll discuss below... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
12.49% - 19.49% Variable
No annual fee

The Business Gold Rewards Card from American Express OPEN
Read ReviewApply for The Business Gold Rewards Card from American Express OPEN
At American Express' Secure Site
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply. See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitDiscountEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityEmergency AssistanceEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Our Review: Is the Business Gold Rewards Card from American Express worth the $175 annual fee? It depends. Read this in-depth analysis BEFORE you apply... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $175

The Business Platinum Card from American Express OPEN
Read ReviewApply for The Business Platinum Card from American Express OPEN
At American Express' Secure Site
  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply
  • See Rates & Fees
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsNo Limits on RewardsNo Pre-Set Spending LimitConciergeDiscountCar Rental Insurance Extended WarrantyPurchase ProtectionReturn ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
Our Review: The Business Platinum Card offers travel-friendly benefits – including Airport Club Access, Airline Fee Credit, and Platinum Concierge Service. But with so many cards boasting no annual fee, why would anyone want to pay $450 to use this card each year?... Read full review
Card TypeAnnual Fee
Business Charge Card
$450

The Blue for Business Credit Card from American Express
Read ReviewApply for The Blue for Business Credit Card from American Express
At American Express' Secure Site
  • Special Offer: get up to 20,000 Membership Rewards® points
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
  • Plus, for a limited time: get an additional 10,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by 07/29/2016
  • Plus, get 30% more points on purchases with an annual points bonus
  • Get a low introductory APR on purchases for 9 months
  • No Annual Fee
  • Terms & Restrictions Apply
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsDiscount$0 Fraud Liability
Our Review: Blue for Business combines everyday rewards with opportunities to cash in on your loyalty. Keep reading to find out what makes this American Express credit card a right pick for growing businesses... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
11.49% - 19.49% Variable
$0

The Plum Card from American Express OPEN
Read ReviewApply for The Plum Card from American Express OPEN
At American Express' Secure Site
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
No Pre-Set Spending LimitDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityIdentity Theft Assistance Roadside Assistance
Our Review: Is the American Express Plum card worth the $250 annual fee? Read on to see how this card can help business owners manage cash flow... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $250

U.S. Bank FlexPerks Business Edge Travel Rewards Card
Read ReviewApply for U.S. Bank FlexPerks Business Edge Travel Rewards Card
At U.S. Bank's Secure Site
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55 per year thereafter (+$10 for employees)
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel Rewards
Our Review: With an introductory 20,000 bonus FlexPoints after $3,500 in net purchases within the first 4 months, the U.S. Bank FlexPerks Business Edge Travel Rewards Card can help cut down on business and travel expense. Redeem reward points toward award travel - starting at 20,000 FlexPoints (up to $400 ticket value) on over 150 airlines with no blackout dates... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
12.24% - 18.24%* (Variable)
$0* intro for the first year, then $55*

Business Green Rewards Card from American Express OPEN
Read ReviewApply for Business Green Rewards Card from American Express OPEN
At American Express' Secure Site
  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance Travel Accident Insurance
Our Review: The American Express Business Green Card gives you a way to flexibly manage your business expenses while earning reward points. This card does charges a $95 annual fee so in our opinion, it's more suited for those who plan to use the card frequently... Read full review
Card TypeAnnual Fee
Business Charge Card
No annual fee for the first year - $95 Annual Fee thereafter

Gold Delta SkyMiles Business Credit Card from American Express
Read ReviewApply for Gold Delta SkyMiles Business Credit Card from American Express
At American Express' Secure Site
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Introductory Bonus Airline RewardsAirline RewardsNo Limits on RewardsDiscountCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance $0 Fraud LiabilityEmergency Card ReplacementIdentity Theft Assistance
Our Review: Do you travel for business? Is Delta your go-to airline? If so, the Gold Delta SkyMiles business credit card could be your ticket to travel-related rewards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49% Variable
$0 introductory annual fee for the first year, then $95

Starwood Preferred Guest Business Credit Card from American Express
Read ReviewApply for Starwood Preferred Guest Business Credit Card from American Express
At American Express' Secure Site
  • Get 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in over 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and conditions apply
  • See Rates & Fees
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline RewardsBonus Hotel RewardsNo Limits on RewardsDiscountExtended Warranty Purchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency Card Replacement
Our Review: Do you or your employees travel for work? With its sign-up bonus, 1:1 point transfer to select frequent flyer programs, and point bonus for those transfers, the Starwood Preferred Guest card is one of our favorite travel rewards cards on CreditDonkey for business owners. Read on to see what sets this card apart from the competition... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49% Variable
$0 introductory annual fee for the first year, then $95

U.S. Bank Business Edge Platinum
Apply for U.S. Bank Business Edge Platinum
At U.S. Bank's Secure Site
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 billing cycles*
0% for 12 billing cycles*
10.24% - 18.24%* (Variable)
$0*


Read Review
Our Review: Read this in-depth review of Chase Ink Cash before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 19.49% Variable
$0


Read Review
Our Review: A $95 annual fee may be too rich for some. But read on to see why many small businesses view the Ink Plus a must-have rewards credit card because of its amazing sign-up bonus and travel benefits... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.49% - 19.49% Variable
$95

Disclaimer: The information for the Ink Cash® Business Credit Card and Ink Plus® Business Credit Card have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Business Benefits

What are the Benefits of Credit Cards for Small Business?

With increasing demand from businesses, credit cards have become the "it" product for small business financing. The use of credit cards topped the list of financing sources for small businesses, according to a 2008 survey by the National Small Business Association. Check out some benefits of credit cards for small business below.

  • Accessing a Cash Source: Cards provide an immediate, convenient source of cash. They can be used to pay vendors, order supplies and cover travel expenses.

  • Developing Business Credibility: Help establish a successful record and credit history until more capital is readily available.

    After you've taken the leap to open a small business, you need to maintain your business credibility by being financially responsible. Credit cards can help you do that by allowing you to pay periodic expenses on time without tarnishing your relationships with vendors.

  • Earning Rewards for Your Bottom Line: The perks of most cards can impact your business in a positive way. Today’s credit cards allow you to gain rewards (including cash back, airline miles, and discounts), which can help your business grow.

  • Building a Solid Credit History: Help establish a respectable credit history. One 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.

  • Record Keeping: Allows for better tracking of purchases. Credit card statements also allow you to monitor your records, employee spending, and any changes to the terms of your agreement.

  • Managing Tax Matters: Credit card statements help you sort your expenses come tax time, and 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.


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    Women in Business Statistics

    By Kelly Teh - Tips
    Some 7.8 million women-owned businesses generate $1.2 trillion in annual sales. And each of these companies employs an average of 8.3 workers. Even though fewer women than men own their own businesses, women-owned businesses have skyrocketed.
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    What Makes Small Businesses Sink or Swim?

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    Best Business Professor Blog

    Best Business Professor Blogs

    April 5, 2016 - By Michelle Kaiser - Reviews
    Do you want to grow your business with the latest insight from the smartest people in the world? You can. Read on for the list of the top business professor blogs to read.

    Why Businesses Fail

    By Cassy Parker - Tips
    Nearly half of small businesses fail within 5 years. Understand why so many fail to increase your chances for success. Read on for the 23 most common causes.

    Business Travel Statistics

    By Rebecca Lake - Tips
    Another business trip? Read this fascinating compilation of business travel statistics including the new demographic trends transforming the industry.

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.