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From cash flow management to easier expense tracking, there are many reasons to use a business credit card for your daily business purchases. But besides the financial management benefits, the best part about this business credit card is the amazing gift offers.
We’ve reviewed the latest and greatest corporate credit card deals for 2017 to help you find the best solution with the most savings for your business. Come see.
Best Business Credit Card Offers
Without a doubt, the best thing about the Ink Business Cash credit card is the 0% early April period. It is the only corporate credit card that offers a fixed introductory APR of 0% for the first 12 months for purchases and balance transfers. (Yes, even balance transfers!) After a one-time transfer fee of 5%, this card can give you the time you need to generate additional income without significant ongoing fees.
Best Business Credit Cards 2022 For Small Businesses
At the end of the introduction period, the APR of the Ink Business Cash credit card is still competitive in the market. However, savvy business owners would do well to pay off debt before the end of this period, or shop around to make sure they’re still getting a good deal. Meanwhile, Ink Business Cash card holders can enjoy 5% cash back for office supplies, cellular phone and business internet and telephone charges; along with 2% cash back at restaurants and gas stations. However, note that this cashback offer is limited to the first $25,000 total annual spend.
If your business incurs significant travel expenses, there is no other card like the Starwood Preferred Guest Business Credit Card from American Express. In partnership with Starwood Preferred’s Starpoints loyalty program, this card offers a nearly 4% reward rate for stays in Westin, St. Regis, W and Sheraton hotels, plus the option to transfer rewards with over 33 different airlines.
In addition to unique travel rewards, all American Express Business cardholders have access to business advice and services provided through the Amex OPEN program. Through this program, cardholders may be eligible for discounts through Amex OPEN dealer partners such as FedEx and Hertz.
Provided you travel a lot – and you pay attention to managing your points and travel bookings to maximize your rewards – the Starwood Preferred Guest Business Credit Card from American Express is the ideal solution. However, if you’re not sure you want to use the benefits, you may be better off with an easier cash reward option.
The 3 Best Capital One Business Credit Cards Of 2022
You know what expenses your business incurs – so you shouldn’t be the one to decide what types of purchases qualify for prizes? This idea is the basis of the SimplyCash Plus Business credit card from American Express, which lets you choose the expense category for which you want to get 3% cash back.
Choose from one of seven Amex categories – airline tickets, hotel rooms, car rentals, gas stations, restaurants, select media ad purchases, delivery or computer purchases – based on your company’s spending habits to earn 3% cash back up to $50,000 in purchases per year . Additionally, the card offers a fixed 5% cash back on purchases from US office supplies and cordless phone providers.
Like the Starwood Preferred Guest Business Credit Card, the American Express SimplyCash Plus Business Credit Card is eligible for the same business services, high quality customer service, and partner discounts from the Amex OPEN program.
For business owners who love cash rewards programs but don’t want to rethink spending categories, Capital One Spark Cash for Business is the ideal fixed gift card. Instead of travel bonuses you may not use or narrow gift categories that don’t necessarily apply to your business needs, this card offers a fixed 2% cashback reward rate – among the highest flat rates for a business credit card.
The Best Business Credit Cards
After an introductory year free of charge, Capital One Spark Cash for Business charges a small annual fee of $59. But as long as you spend at least $3,000 a year on the card, you’ll make that amount and then some cash back.
For business owners with poor credit, Capital One Spark Classic for Business provides a great opportunity that requires some form of short-term financing as working capital, but who may have difficulty qualifying for the above business credit cards.
These cards are by no means an inexpensive way to carry debt – but for business owners with bad credit, they can still be cheaper than available short-term loans or lines of credit. And if you can use your card responsibly and pay back your balance each month, Capital One Spark Classic for Business is a great way for entrepreneurs to build or improve their credit history in preparation for a low-interest credit card or small business loan.
Whatever business card offering you choose, remember that the key to getting the most out of any credit card offer is good financial management. To avoid incurring expensive interest rates that take away your gift savings, make sure you’re spending within your business budget and consistently making payments on time.
Best Business Card Offers That Don’t Add To 5/24
As long as you adhere to these principles, you will not only enjoy great savings and rewards on your daily business purchases, but you will also build a stronger credit history for your company’s financial future.
Meredith Wood is the founding editor of Fundera Ledger and vice president of Fundera. He has specialized in financial advice to small business owners for nearly a decade and is often sought after for his expertise in providing loans to small businesses. He is a monthly columnist for, and his advice has appeared on the SBA, SCORE, Yahoo, Amex OPEN Forum, Fox Business, American Banker, Small Business Trends, MyCorporation, Small Biz Daily, StartupNation, and more. In my opinion, Chase offers many of the best credit cards and the best sign-up deals. They have an amazing deck of cards that earns Ultimate Rewards points. Through this card, one can easily accumulate hundreds of thousands of points which can be transferred through sign-up bonuses and then continue to earn great rewards by choosing the right card for the right type of spending (for example, paying your phone, cable and internet bills with an Ink Business card). Your free cash to get 5X rewards for this purchase). You can read more here: Chase Ultimate Rewards Deep Dive.
Another key component of Chase’s credit card dominance is that they issue Southwest Airlines credit cards. This is huge because Southwest has the best travel deals: Earn 110,000 qualifying points in a calendar year and you get a great companion card for an unlimited number of flights booked with points or cash. Companion passes both for the remainder of the year earned, and throughout the following year. And with Chase, it’s often possible to get that companion card simply by signing up for a personal Southwest card and a business Southwest card and meeting the minimum consumption requirements for both.
, the best hotel status at the highest level), you can get that status by using a World of Hyatt card. Chase also provides IHG and Marriott cards which are great.
Best Business Credit Cards With 0% Apr & Cash Back Offers
The problem with the many virtues of Chase credit cards is that there comes a time in every points hunter’s life when they are no longer approved for a new Chase credit card. When Chase sees that you’ve opened 5 or more credit cards in the last 24 months, they won’t approve you for a new card (unless you target a “Just For You” offer). This of course makes it extremely difficult to take advantage of all of Chase’s great credit card options.
Chase 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards at the bank in the last 24 months.
To determine your 24/5 status, see: 3 Easy Ways to Calculate Your 24/5 Status. The easiest option is to keep track of all your cards for free with Travel Freely.
Chase uses your credit report to determine your 5/24 number, and it just so happens that most business cards are not reported to private credit bureaus. Even Chase’s business cards were processed this way. This means you won’t be approved for a Chase business card if you’re over 24/5, but if you’re under 24/5 and approved, the new card won’t add to your number 24/5. So a good way to delay past 24/5 is to sign up primarily for business cards, including Chase business cards. This is the strategy we documented in the series “informed beginners” (see: Over 600,000 points and well under 24/5). And that’s the strategy my son followed under my leadership.
Find The Best Business Credit Card With These Features
Yes, you own a business: To apply for a business credit card, you need a business. That said, it is common for people to own businesses without realizing it. If you sell items on farm sales or on eBay, for example, then you own a business. Similar examples include: consulting, writing (e.g. blogging, planning your first novel, etc.), handyman services, renting a house, renting on airbnb, driving for Uber or Lyft, etc.
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