The Best Credit Cards for Small Businesses

**Best Credit Cards for Small Businesses**

Running a small business isn’t a walk in the park, but the right credit card can make it a little easier. With a plethora of options out there, it’s like navigating a maze. That’s why we’ve done the legwork for you, presenting you with the crème de la crème of credit cards tailored specifically to the needs of small businesses. Let’s dive into what makes a great small business credit card and how to choose the one that’s the best fit for you.

**Factors to Consider When Choosing a Small Business Credit Card**

When it comes to picking a small business credit card, it’s not a one-size-fits-all situation. Like a well-tailored suit, the ideal card will depend on the unique needs of your business. Here are a few key factors to ponder:

**1. Rewards**

Every swipe can bring you closer to sweet rewards, so this is a no-brainer to consider. Some cards offer cash back on everyday purchases, while others let you rack up points that can be redeemed for travel, merchandise, or even gift cards. It all boils down to what motivates you: cold, hard cash or the allure of experiences?

**2. Fees**

Annual fees can put a dent in your budget, so it’s wise to weigh the pros and cons. Some cards charge a hefty annual fee, but they may also come with a treasure trove of perks and benefits that can outweigh the cost. Others keep their fees low, but you may be sacrificing some of those fancy extras. The sweet spot is finding a card that strikes a balance between fees and rewards.

**3. Interest Rates**

Interest rates are like the tolls you pay on the highway of credit. If you don’t pay off your balance in full each month, you’ll be charged interest on the outstanding amount. Higher interest rates mean more money out of your pocket, so aim for a card with a low interest rate.

**4. Perks**

Perks are like the cherry on top of a delicious sundae. Some cards offer enticing perks like extended warranties on purchases, travel insurance, or free airport lounge access. These perks can add value to your business and make life a little easier.

**5. Customer Service**

When you’re in a bind, having responsive and helpful customer service can be a lifesaver. Make sure the card issuer you choose has a reputation for excellent customer support. After all, you want someone who’s got your back when you need it most.

**Best Credit Cards for Small Businesses**

The world of small businesses is full of challenges, and managing finances is one of the biggest. Business owners need access to capital to grow their businesses, but they also need to keep costs down. That’s where business credit cards come in. These cards can provide small businesses with the flexibility and rewards they need to succeed.

Business credit cards offer various rewards programs, including cash back, points, and travel miles. Cash back cards are a great option for businesses that want to save money on everyday expenses, while points cards can be used to redeem rewards for travel, merchandise, and more. Travel miles cards are ideal for businesses that frequently travel for work.

In addition to rewards, business credit cards can also offer other benefits, such as extended warranties, purchase protection, and fraud protection. These benefits can help small businesses save money and protect their assets.

If you’re a small business owner, a business credit card can be a valuable tool for managing your finances. By choosing the right card, you can earn rewards, save money, and protect your business.

**Best Business Credit Cards for Rewards**

Business credit cards offer various rewards programs, including cash back, points, and travel miles. Here’s a closer look at each type of reward program:

* **Cash back:** Cash back cards are a great option for businesses that want to save money on everyday expenses. These cards earn a percentage of cash back on every purchase, which can be redeemed for cash or used to offset future purchases.
* **Points:** Points cards are a great option for businesses that want to redeem rewards for travel, merchandise, and more. These cards earn points on every purchase, which can be redeemed for a variety of rewards.
* **Travel miles:** Travel miles cards are a great option for businesses that frequently travel for work. These cards earn miles on every purchase, which can be redeemed for airfare, hotel stays, and other travel expenses.

When choosing a business credit card, it’s important to consider the type of rewards program that’s best for your business. If you’re looking to save money on everyday expenses, a cash back card is a good option. If you want to redeem rewards for travel, a points card or a travel miles card is a better choice.

**A Few Things to Consider**

Once you’ve considered the type of rewards program that’s best for your business, you’ll need to choose a specific card. Here are a few things to keep in mind:

* **Interest rate:** The interest rate on a business credit card is the rate you’ll be charged on any unpaid balances. It’s important to choose a card with a low interest rate to avoid paying unnecessary interest.
* **Fees:** Business credit cards can come with a variety of fees, such as annual fees, balance transfer fees, and foreign transaction fees. It’s important to compare the fees of different cards before you choose one.
* **Perks:** Some business credit cards offer perks, such as extended warranties, purchase protection, and fraud protection. These perks can add value to your card, so it’s important to consider them when you’re making a decision.

By taking all of these factors into consideration, you can choose the best business credit card for your small business. With the right card, you can earn rewards, save money, and protect your business.

**Best Business Credit Cards for 0% Intro APR**

Business credit cards can be a valuable tool for small businesses, offering rewards, cash back, and other benefits that can help save money and grow the business. There are many different types of business credit cards available, so choosing the right one for your needs is important. If your business is looking for a card with a 0% intro APR, here are a few of the best options on the market.

**Best Credit Cards for Small Businesses**

1. **American Express Blue Business Cash Card**

This card offers a 0% intro APR on purchases for the first 12 months, and then a variable APR of 13.99% – 23.99%. It also offers unlimited 2% cash back on all purchases, making it a good choice for businesses that spend a lot of money on supplies or equipment.

2. **Chase Ink Business Unlimited**

This card offers a 0% intro APR on purchases for the first 12 months, and then a variable APR of 14.99% – 23.99%. It also offers unlimited 1.5% cash back on all purchases, making it a good choice for businesses that want to earn rewards on everyday spending.

3. **Discover it® Business Credit Card**

This card offers a 0% intro APR on purchases for the first 12 months, and then a variable APR of 14.99% – 23.99%. It also offers 5% cash back on rotating categories, and unlimited 1% cash back on all other purchases. This card is a good choice for businesses that want to earn rewards on a variety of purchases.

4. **Ink Business Cash® Credit Card**

This card offers a 0% intro APR on purchases for the first 12 months, and then a variable APR of 13.99% – 23.99%. It also offers unlimited 5% cash back on office supplies and internet, cable and phone services, and 2% cash back on gas and dining at restaurants.

5. **Capital One Spark Cash for Business**

This card offers a 0% intro APR on purchases for the first 12 months, and then a variable APR of 15.99% – 24.99%. It also offers unlimited 2% cash back on all purchases, and a $500 bonus after spending $5,000 in the first 3 months of account opening. This card is a good choice for businesses that want to earn rewards on everyday spending and get a bonus for signing up.

**Best Small Business Credit Cards**

When it comes to choosing the best small business credit card, there are a few key factors to consider. These include rewards, fees, and perks. The best credit card for your business will depend on your specific needs and spending habits.

If you’re looking for a card that offers rewards, there are several options to choose from. Some cards offer cash back, while others offer points that can be redeemed for travel, gift cards, or merchandise. Consider the types of rewards you’re most interested in and choose a card that offers those rewards.

Fees are another important factor to consider when choosing a business credit card. Some cards have annual fees, while others have monthly fees. There may also be fees for balance transfers, cash advances, and foreign transactions. Be sure to compare the fees of different cards before you apply.

**Best Business Credit Cards for Perks**

In addition to rewards and fees, you should also consider the perks that come with a business credit card. Some cards offer perks such as travel insurance, extended warranties, and access to airport lounges. These perks can be valuable for businesses that travel frequently or that make large purchases.

Here are some of the best business credit cards for perks:

• The American Express® Business Platinum Card offers a wide range of perks, including travel insurance, extended warranties, and access to airport lounges.
• The Chase Sapphire Preferred® Card offers 2x points on travel and dining, and 1 point per dollar on all other purchases.
• The Capital One® Spark® Miles for Business offers unlimited 2x miles on all purchases.
• The Ink Business Preferred® Credit Card offers 3x points on travel and shipping purchases, and 1 point per dollar on all other purchases.
• The Blue Business® Plus Credit Card from American Express offers 2x points on all purchases, and it has no annual fee.
• The Wells Fargo Business Platinum Card offers 2% cash back on all purchases, and it has no annual fee.

**How to Choose the Best Business Credit Card for You**

The best way to choose the best business credit card for you is to compare the rewards, fees, and perks of different cards. Consider your specific needs and spending habits, and choose a card that offers the best combination of rewards, fees, and perks for you.

With so many different business credit cards on the market, you’re sure to find one that’s a perfect fit for your business.