For a small business, using a credit card can be useful with a big credit line to pay for purchases. It will save the owner time and money along with rewards for using a business credit card. Business credit cards can provide a temporary cash advance when in need of quick cash. More importantly, it simplifies your tax records from your personal and business purchases. American Express provide you with a year-end summary of your charges, separated into categories for tax purposes. Hence, this makes filing your tax return easier. For all small businesses, they need to plan ahead to deal with sudden costs. Business credit cards provide that flexibility with access to credit lines. Therefore, it can be a lifesaver and instrumental to running a successful business. From the list below, we provide you with the credit cards for small businesses along with rewards, annual fee(if any), and all the features.
How To Get A Business Credit Card
You may not know this, but if you ever sell something on eBay or Craigslist, even had a garage sale, your business is called sole proprietorship which then allowed you to apply for a business card using your legal name as your business id and social security number as your tax id. This is the easiest business entity and completely legal recognized by the IRS.
|Featured Business Credit Card Bonuses|
|Chase Ink Business PreferredSM Card is offering 80,000 bonus points after you spend $5,000 in the first 3 months from account opening. The 80K points redeemed for travel rewards equals $1,000 which is one of the largest bonuses offered from Chase for business cards! You'll receive 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines. The card also gives 1 point per $1 on all other purchases. This card is one to have for business traveling since there is no foreign transaction fees!
If you have a side business such as selling on eBay, Craigslist, or do freelance work, then your business is called sole proprietorship. Simply use your name as business ID and Social Security number as tax ID. Apply Now---Chase Ink Business Preferred Review
|Chase Ink Cash® Business Card offers $300 cash back after you spend $3,000 in the first 3 months from account opening – one of the largest amounts ever offered for a business credit card. You'll receive 5% cash back on the first $25,000 spent in combined purchases at office supply stores, and on cellular phone, landline, internet, and cable TV services. The card also gives 2% cash rebate on the first $25,000 spent in combined purchases on gas and dining expenses, and 1% rebate on all other things. There is a 0% introductory APR for 12 months on purchases and balance transfers. I personally prefer Ink Cash Business Card to the other Ink cards because you get cash back, generous cash rebates, and no annual fee for a business card! Apply Now---Chase Ink Cash Business Review|
|SimplyCash® Plus Business Credit Card from American Express offers $250 statement credit after spending $5,000 within the first 6 months of card membership. For a limited amount of time you can earn an additional $250 statement credit if you spend an additional $10,000 within the first 12 months of card membership. It's similar to the SimplyCash Business Credit Card from American Express but with increased spending limits of $50,000 in the 5% and 3% cash back reward categories and an extra option to choose from in the customizable 3% category. It appeals to businesses with more expenses where more cash back rewards can be earned. Also included are fantastic exclusive American Express benefits and no annual fee. Apply Now---Amex SimplyCash Plus Review|
|Business Platinum Card® from American Express OPEN offers 50,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership. You also have a chance to earn an additional 50,000 points when you spend an additional $10K within the first 3 months. You'll also get benefits including up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more for an annual fee of $450. It features a rewards program with award-winning features designed to help your business excel. Every time you use your charge card, you can earn valuable rewards that can be redeemed to help offset business expenses. You earn 1X points for every dollar you spend on on eligible purchases and 2X points for every dollar you spend with American Express Travel on eligible purchases. Enjoy premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events. Apply Now---Amex Business Platinum Review|
|U.S. Bank FlexPerks® Business EdgeTM Travel Rewards Card offers 20,000 FlexPoints ($400 value) when you spend $3,500 or more in the first 4 months of card ownership. This card allows you to enjoy travel rewards on more than 150 airlines with faster earning, more award seat availability and expanded reward choices. If you are a business owner and frequent traveler, take advantage of this card in order to gain the best returns from your spending. Redeem FlexPoints for purchases on travel, gas, and office supplies. There is a $0 annual fee for the first year, then $55. Apply Now---Full Review|
|CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® offers a limited time chance to earn 50,000 American Airline AAdvantage® bonus miles after making $3,000 in purchases in the first 3 months of card membership. You'll earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, telecommunications, car rental merchants, and at gas stations, and 1 AAdvantage® mile per $1 spent on other purchases. The annual fee of $95 is waived for the first 12 months. This credit card is a great choice for business owners or frequent fliers who would like to earn free flights on American Airlines. Some additional perks include having your first checked bag free and priority boarding on American Airlines flights. To make things even easier for business owners, the quarterly and annual account summaries are broken down by employee and purchase category so you can see where money is being spent. Apply Now---CitiBusiness AAdvantage Platinum Select Review|
|For a limited time only, the Platinum Delta SkyMiles® Business Credit Card from American Express is offering 35,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after spending $5,000 on your new card in your first 3 months. In addition, earn a $100 statement credit after making a Delta purchase with your new Card within your first 3 months. The card gives you the chance to redeem perks such as upgrades to first class, priority boarding, and access to Delta Crown Room lounges after your first purchase on the card. For each dollar spent, you will earn 2X miles on Delta purchases and 1X miles for all other purchases. As if these incentives weren't enough, you get your first checked bag free, in-flight discounts, no foreign transaction fee, return protection, car rental insurance, and extended warranty! Finally, you can share the wealth with a complimentary domestic economy class companion certificate each year upon renewal with an annual fee of $195 per year. Apply Now---Platinum Delta Skymiles Biz Review|
|Gold Delta SkyMiles® Business Credit Card from American Express is offering 30,000 bonus miles after $1,000 in purchases on the card and a $50 statement credit after you make a Delta purchase with your new card within the first 3 months. What's the catch, you ask? There are none. You get two miles for every dollar you spend directly with Delta flights and 1 mile for every dollar spent for all other eligible purchases. The Gold Delta SkyMiles Business card comes with a few additional benefits such as one free checked bag per person in your reservation (up to 9 people), which can save you up to $50 per passenger, priority boarding, and 20% off certain in-flight purchases (movies, drinks, & meals). The miles can be redeemed for flights without seat restrictions and blackout dates. Best of all, receive all of this for a $0 introductory annual fee for the first year of Card Membership, then $95. Apply Now---Gold Delta Skymiles Biz Review|
|Starwood Preferred Guest® Business Credit Card from American Express offers 25,000 Bonus Starpoints after you use your new Card to make $5,000 in purchases within the first 3 months. New benefits include no foreign transaction fees, free in-room premium internet access, and unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. It's an ideal card for small business owners that do not keep a revolving balance and stay at Starwood Hotels frequently. Earn up to 2 Starpoints per $1 spent on Starwood purchases and 1 Starpoint per $1 spent on anything else. Redeem your Starpoints for free hotel stays, free flights or even transfer to your airline frequent flyer program on a 1:1 basis. Additionally, members enjoy ongoing savings with FedEx, Hertz, and more just by using your business card. The $95 annual fee is waived for the first year. Apply Now---Starwood Preferred Guest Business Review|
|Business Gold Rewards Card from American Express OPEN offers 50,000 Membership Rewards® points after you spend $5,000 in purchases within the first 3 months following approval of your new Card account. You'll also enjoy 3X points (choose 1 out of 5 categories), 2X points on the 4 remaining categories, and 1X points on other purchases. Because of its many privileges, the Business Gold Rewards Card is considered to be the gold standard and targeted at business owners with excellent credit. Card holders can use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward. There is a $0 introductory annual fee for the first year, then $175. Apply Now---Business Gold Rewards Review|