Best Business Credit Cards for Small and Medium Companies

If you have a business, chances are good that you have expenses that need to be made online, or expenses which require a credit or debit card. Business credit cards are easier to use for expenses such as travel, rental cars, and similar expenses because they don’t tie up funds held in your business checking account. As long as you have the cash flow to pay the bill each month, credit cards are a great way to go.

Business credit cards are also a great way to track and categorize business expenses, or monitor employee spending. If you are looking for a new business credit card, then be sure to check out these offerings, all of which offer some form of a rewards program, including, cash rewards, rewards points, travel points, and more.

Top Small Business Credit Cards

Starwood Preferred Guest® Business Credit Card from American Express. The Starwood Preferred Guest® Credit Card is one of the best business travel rewards credit cards on the market. It is available in both consumer and business versions, making it a great card for people who travel frequently for business or pleasure. Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership. Earn 1 Starpoint® for each dollar of eligible purchases. Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates. Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program. $0 introductory annual fee for the first year, then $65. Terms and limitations apply.

The CitiBusiness ThankYou(SM) Card is recommended for businesses with an established credit history. This is an excellent all-around rewards card that offers the opportunity to earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories. For a limited time, new cardholders can also earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership – enough for $150 in gift cards. You can redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash. There is no annual fee* and there is no limit to the amount of points you can earn on purchases and points don’t expire.

The Business Gold Rewards Card® from American Express OPEN is ideally suited for established businesses with positive cash flow and an excellent credit history. New cardmembers can earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†. Cardmembers earn 3X points on airfare purchased from airlines. 2X points at US gas stations; Up to $100,000 in each category per year, then 1 point. Points are earned only on eligible purchases and terms and limitations apply. $0 introductory annual fee for the first year, then $175. †Apply online to qualify for this offer. See offer terms for details.

The Plum Card® from American Express OPEN comes with Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. The Early Pay Discount is good when you pay your balance in full within 10 days. This card is powerful cash flow management tool for businesses with large annual expenses or with irregular cash flow as it can be used to get cash back when payment is made within 10 days, or businesses can opt to extend payments for up to 60 days with no additional interest payments when they pay 10% up front. There is a $0 introductory annual fee for your first year, then $250. There is no fee for additional cards. Terms & Restrictions Apply.

The CitiBusiness®/ AAdvantage® World MasterCard® is an excellent business travel rewards credit card for frequent fliers. The CitiBusiness®/ AAdvantage® World MasterCard® gives card holders their first eligible checked bag free for the cardholder and up to 4 traveling companions*, Priority Boarding with Group 1 privileges*, and 25% savings on eligible in-flight purchases. Cardholders will earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*. For a limited time, you can earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*. The annual fee of $95 is waived for the first 12 months.*

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are authors alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.