Best Small Business Credit Card Offers

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You probably have one or two credit cards in your wallet. That means you already understand the importance of credit cards. Not only do they make your transactions easy to track, but you need them to build your credit (in other words, a measure of your reliability in repaying all the money you borrowed).

But did you know that for business owners, having a business credit card is just as important? Like the process of building your personal credit, you use a business credit card.

Best Small Business Credit Card Offers

Credit. A good credit history will increase your SME’s credibility and credibility with other credit card companies, banks and investors (this will make it easier for you to get a loan and lower interest rates). Also, business credit cards often have a much higher credit limit than personal credit cards, making it easier to buy in bulk or in bulk.

Best Small Business Credit Cards Of 2022

In other words, responsible credit card use is a boon to your business (even seemingly irresponsible credit card use—CEO Chris Ronzio deliberately used $300,000 in debt to successfully grow his business).

You can tell this from your personal credit card usage, but different credit cards have different advantages. Some come with points accumulated with each entry and can be used to purchase products, book travel or order other services. Others offer cash – AKA to spend the money back to earn it (much lower rate, but still).

And swiping your card can add even more to your perks. For example, some cards give you more points at the gas pump, while others provide incentives to buy with partners (companies like Amazon, Peloton, and Apple are just a few examples).

You will also want to consider where you and your business stand financially. Because you own the business, most credit card companies will review your personal credit score to determine your eligibility for your first business credit card. They want to make sure you can pay off any debts your business may incur. Factors such as the annual fee and annual rate (APR) for growth can also be important, especially if your business is about to start.

Best Small Business Credit Card For 2022

Here is a scenario for you: Let’s say you run a landscape business. Your team probably travels all over town to get supplies, lawn care, and other garden maintenance. Therefore, it will be useful to have a credit card that gives you 3% cashback on gasoline transactions (especially on current gasoline prices).

On the other hand, you’re unlikely to travel anywhere outside of your community, so flight destinations or hotel benefits won’t be on your radar. You may still want to consider credit cards with extra benefits for purchases from home improvement companies such as Home Depot or Lowes.

There are more than a few business cards out there and you may be wondering where to start. That’s where we got in. With a list of the best cards currently available for small business owners:

The Spark Cash Plus card gives you back 2% of what you spend. Cons: no annual fee and no APR (which means you have to pay the card every month).

Best Business Credit Cards 2022 For Small Businesses

You get 3% cash back in the category you choose, and the list includes gas, travel, business advice and more. This is with 2% cash back on restaurants and 1% on all other purchases. However, there is also a $50,000 cashback limit for the combined 3% and 2% categories.

We’re talking three points for every dollar spent on travel and other bonus categories (including social media and search advertising!). Additionally, since this is a Chase card, users can access Chase Ultimate Rewards, which provides even more travel benefits. However, it has an annual fee of $95.

The Brex 30 card requires no credit or collateral, but your business must be well-funded (with a minimum of $50,000 in bank loans from institutional investors).

Can’t see a card that meets your business needs? There are many other great options out there, and private finance sites like Nerdwallet and The Points Guy publish a list of options and keep track of promotional offers that change monthly.

The Best Small Business Credit Card

Published daily and presented by Chris Ronzio, Organizing Chaos discusses the playbooks, people-centric methods and productivity hacks SMB leaders need to take their teams to the next level. Small business credit cards provide several benefits in addition to looking professional. Choose your card carefully and enjoy rewards such as cash, travel miles and 0% promotional interest.

Business credit cards differ when it comes to perks, so it pays for shopping. Fortunately, we’ve done the legwork for you! The five top-rated small business cards below offer decent growth and some of the most generous rewards in the industry.

This card offers a wide variety of rewards, the most lucrative is the generous cash discount system. Get five percent cash back annually for the first $25,000 you spent on telecommunications, cable and supplies a year ago. You also get 2% cash back for restaurant and gas costs and 1% for other purchases. The annual fee card also offers 0% promotional returns for 12 months on transfers.

This popular travel bonus card allows you to earn 25,000 miles if you spend $5,000 on your purchases in the first three months. Plus, get 5,000 bonus miles when you buy an employee card within the first 60 days. Then earn two miles for every dollar spent on all your purchases. Miles never expire and can be used for travel with any airline, cash, gift card and product. The card charges 0% per year for the first year, then $59 per year thereafter. There is no foreign trade fee.

Best Small Business Credit Cards: Top Picks For 2022

Another travel bonus card with attractive benefits, this card earns you 20,000 sign-up points when you spend $3,500 in the first four months. Plus, earn three points for every $1 charitable donation, two points for consumables, gas, airfare and cell phone charges, and one point for other purchases. When you redeem points for flights with one of the 150+ eligible airlines, you earn $25 for expenses such as food, beverage and baggage charges on flights. The membership fee is zero for the first year and $55 thereafter, unless you spend more than $24,000 each year.

Enjoy a variety of travel-related benefits with this card. Earn 50,000 American Airlines AAdvantage® miles when you make $3,000 purchases in the first three months. Earn two miles for every $1 spent on American Airlines purchases and some business categories, and one mile for every $1 spent on other purchases. When you travel, your first checked baggage is free and you get priority on board. Plus, save 25 percent on in-flight purchases. No membership fees for the first year, then $95 per year.

Earn 40,000 bonus points if you spend $5,000 in the first three months. Then earn five points for every $1 you spend on office supplies and phone, internet and cable TV services, and two points for every $1 you spend on gas and hotels. Benefits also include travel insurance and 0% annual fee for the first year, followed by $95 per year.

Choosing the right sales card for you depends on your business and spending habits. Take time to explore these small business credit card options; You will choose the best for your business.

The 5 Best Credit Cards For Small Business Owners

Want your next big purchase paid for with credit card rewards? Get a free copy of The Ultimate Guide to Business Credit Cards: The Small Business Owner’s Handbook. In this 21-page e-book, you’ll learn: Whether you’re self-employed, have a side gig, or run a company with 15 employees, it’s important to keep your personal and business finances separate. Even if you are the sole owner of using your personal checking account, things can quickly get messy when cashing personal and business checks from the same account.

To make your day-to-day life easier and save you the trouble of paying taxes, it’s best to keep commercial purchases separate – this I quickly learned when I started working independently. aside.

Your personal card cannot facilitate the types of expenses your business makes. Business cards may have a higher credit limit, and in most cases, the functionality of the business card will not affect your personal credit rating report (though if you have a business card by default, the card issuer may personally go after you).

If you are the “owner” of a business where you work alone and with your own name and ID number (rather than the company name), getting a business card is more about the convenience of keeping your expenses separate and protecting your own. credit rating and assets – even the smallest companies like the self-employed are eligible.

The Best Credit Cards For Small Business Owners

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