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
The CitiBusiness ThankYou® 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 $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards. You can redeem points on things for your business or for yourself like business supplies and merchandise to gift cards, travel rewards or even cash rewards. There is no annual fee* and there is no cap on the amount of points you can earn on purchases and points don’t expire.
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 checked bag free for the cardholder and up to 4 traveling companions*, Group 1 Boarding privileges*, and 25% savings on eligible in-flight food and beverage purchases when you use your card*. Cardholders will earn 2 American Airlines AAdvantage® miles for every $1 you spend on 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*. This card is best suited for businesses with an established credit history.
The Enhanced Business Gold Rewards Card from American Express OPEN is ideally suited for established businesses with positive cash flow and an excellent credit history. Get 30,000 Membership Rewards® points after you spend $5,000 in purchases with your new Card in the first 3 months following approval of your new Card account. Plus, get a statement credit for your initial Amazon Prime membership fee after you sign up for a new membership with your Card and meet the spending requirement in the same time period. As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items on Amazon.com. Built with business-sized purchasing power and fast rewards. 3X points on airfare purchased from airlines. 2X points on US purchases for advertising in select media, shipping and at gas stations. (New!) 2X points on US purchases made directly from select computer hardware and software providers. Up to $100,000 in each category per year, then 1 point. Terms and limitations apply.
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. There is currently a Starpoints® bonus: Earn up to 25,000 bonus points. Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Cardmembership. Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program. Earn 1 Starpoint® for each dollar of eligible purchases. Starpoints® redeemable towards Free Hotel Nights at over 1,100 hotels in nearly 100 countries worldwide – with no blackout dates. The Starwood Preferred Guest® Credit Card features a $0 introductory annual fee for the first year, then $65. Terms and limitations apply.
The Plum Card® from American Express OPEN comes with Flexible Payment Options. For example, cardholders can get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. This card is powerful cash flow management tool for businesses with large annual expenses or with irregular cash flow. Pay no annual membership fee for your first year. Then, pay $250 annually. There is no annual fee for Additional Cards. Terms & Restrictions Apply.
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