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Best Credit Cards For Businesses

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By: Scam Risk - Expert Reviewer

Best Credit Cards For Businesses

It’s great to be on top of everything, to call the shots, and be your own boss. Yup, that’s what business owners do. But as business owners, there are too many expenditures out there that necessitate money and spending more money. 

Therefore, a business owner must be money savvy and must know how to manage money wisely. Cash flow is necessary and managing money is one skill a business owner must master. 

Having said that, when it comes to making business transactions including choosing the best credit card for business, a savvy business owner must be at the helm of things. 

The first thing a money-wise business owner puts into consideration when it comes to credit card choice is, to know which credit card for business has a better point system or rewards strategy. Because for an astute business person, every cent counts. 

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Table of Contents

Now, business credit cards can offer a  wide scope of advantages. These may cover rewards or cashback, expense management, travel protections, and loyalty points. But assessing every single credit card for business would mean spending a great deal of time. 

And for a savvy business owner, time is also crucial. Going through each credit card and finding out which one is best applicable for your business is downright tedious and not to mention laborious. 

So here’s hoping this guide will do a little bit of the effort for you. These credit cards for business are deemed to help a business help in its expenditures at the same time offering some extras and maybe freebies on the side. 

And here’s a useful tip to help you pick out the credit card most suitable for you — single out which points or characteristics matter for your business and decide what you value the most. The answers could be helping you in building credit, cashback, or rewards. The choice is yours. 

Capital One Spark Cash for Business

This one seems to be the best for business cashback. Its appeal lies in its simplicity. It’s pretty straightforward and its value can never be exaggerated. 

Who doesn’t want a cash-back business card? 

Although collecting points also has monetary value, it will eat up a lot of your time for that additional perk. And for the travel rewards credit cards, it’s limited to travel alone. Extra cold cash is really preferable over the others. 

Capital One Spark Cash for Business probably tops the best cash-back business cards as it earns a 2 percent cash back every time you use your card. 

As mentioned earlier, it’s pretty straightforward and simple. Just swipe and you instantly get a cashback on your purchase. No frills. No fuss. 

Capital One Spark Miles for Business

This card ranks as the best credit card for business for everyday business spending. What could be a better deal than transferring points to not just one or two but more than ten airline partners, as well as hotel partners? 

It can collect two times miles every time you use your card. And five times miles when you spend the card on rental cars and hotels. It is also one of those cards with a reasonable annual fee, that is even set aside for the first year. 

Definitely a great choice for businesses who want to make the best out of their business expenses. 

American Express® Business Gold Card

If you’re looking for a credit card that is best for automatically enhanced earnings, this one’s for you. If your business spends quite a bit, you can cancel out the annual fee and then collect huge rewards by getting four times points. 

You can also have options for points transfer as its redemption is not fixed. Plus it comes with travel benefits and you automatically earn 4 times points on the two top categories that you spend most on. And it also has a payment option that will assist you in managing your cash. 

The Blue Business® Plus Credit Card from American Express

Is your small business new? The Blue Business Plus Credit Card from American Express is for you. Think about it, it doesn’t come with an annual fee plus it helps you earn rewards at the same time. You can earn your reward up to two times on your first $50,000 USD purchases every year. 

After that, you can get one time points on your next purchases. It will also allow you to spend above your credit limit if you need to purchase important items for your business.

Ink Business Cash Credit Card

The Ink Business Cash Credit lets you earn a five percent cash back on the first $25,000 USD that you used up in purchases from the internet, cable series, phone services, and office supply stores. This card tops in the best credit card for office supplies. 

Not only that, you get a two percent cash back on the first $25,00 USD that your business used up for restaurants and gas expenditures. 

To top it all, it comes with an extended warranty and purchase protection and car rental coverage, and emergency assistance on the road. And yes, it does not come with an annual fee.

In conclusion, the hard part is to pick out which is the right credit card for your business. Again, determine where you spend your money more and what rewards are most valuable to you. Once you get your business credit card, man the most out of it by using it as often as possible. The more you use it, the more rewards you get. 

Also, if you don’t want to deal with hefty interests in the future, make sure to pay your statement of account on time. Don’t dilly dally…

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