Best Credit Cards for Home Business in 2012

As home businesses continue to thrive, savvy home business owners are turning to business credit cards instead of traditional bank loans.

This year, credit card issuers are offering big incentives to entice business owners to sign up.

Business Deals © CreditDonkey

We compared generous rewards, low interest rates, low fees and helpful benefits to determine the best business credit card for home business owners.

Business credit cards are a competitive advantage for home businesses, when used intelligently. It's important to pick the right credit card for the specific needs of your home business.

Cash Back

Ink Cash℠ Business Card 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 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

Earning cash back helps your bottom line. Business credit cards aren't just for charging needless expenses. The perks of cash back business credit cards allow you to reinvest into your growing business.

Travel Rewards

The Business Platinum Card® from American Express OPEN 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* Intro APR for Purchases Intro APR for Balance Transfer APR as low as Annual Fee - - N/A $450

Traveling to conferences or meeting clients are well worth the investment. Using business travel credit cards allows business owners to minimize travel expenses while still enjoying the benefits of traveling in comfort.

Cash Flow Management

The Plum Card® from American Express OPEN 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 Intro APR for Purchases Intro APR for Balance Transfer APR as low as Annual Fee - - N/A $185

Volatile cash flow, seasonal trends and slow months are problems all home business owners face. Cover expenses with a business credit card until your customers pay.

Follow @CreditDonkey or write to Charles Tran at charles@creditdonkey.com

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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.

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.