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Featured Business Credit Cards for Small and Medium Companies

by Ryan Guina

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Best Business Credit Cards for Small BusinessesIf 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.

Featured Small Business Credit Cards

CitiBusiness®/ AAdvantage® World MasterCard®The CitiBusiness®/ AAdvantage® World MasterCard® is an excellent business travel rewards credit card for frequent fliers. The CitiBusiness®/ AAdvantage® World MasterCard® gives card holders the first checked bag free for you and up to 4 traveling companions*, Group 1 Boarding privileges*, and Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights* Cardholders will earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, including US Airways codeshare flights booked through American Airlines.* Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.* For a limited time, you can earn 30,000 American Airline AAdvantage® bonus miles and two Admiral’s Club® lounge One-Day Passes after making $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.


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.

Advertising Disclosure: This page contains advertisements. This page does not include all available credit card offers from all advertisers (that would be literally hundreds, if not thousands of credit cards). This credit card review was not reviewed by, endorsed, paid for, or approved by Citi or any other credit card issuer. All opinions, reviews, and recommendations reflect the author’s honest opinions, beliefs, and experiences. We receive compensation from our advertisers. Compensation impacts how and where products appear on this site (including for example, the order in which they appear). Back to Top.


Published or updated September 29, 2014.
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{ 6 comments… read them below or add one }

1 basicmoneytips

I have a Starwood Preferred Guest and have been most impressed with it. I would recommend it to anyone.

Plus American Express has great customer service.

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2 Ryan

AmEx does have great customer service. I had their Gold Business card for a couple years, until I decided I didn’t want to pay the annual fee (I was able to get it waived the first two years). :)

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3 Judy

Nice article! For travelers Citi is way to go, I recommend it to everybody. Thanks for the references!

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4 herm

we are trying to get to 1 million miles on AA to achieve lifetime gold. i was told the starwood card will transfer points to AA. how many dollars can you run through the card on an annual/monthly basis ( is there a limit ?) With the business version can i have all of my employees funneling their spend into my account?
thanks
Herm

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5 Ryan

Herm, I recommend contacting AmEx for details specific to your card and company. There are some cards out there that may have different terms, depending on when you became a card holder. Your customer service rep should be able to answer these questions. Best of luck!

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6 Jon

I have recently taken advantage of a lot the deals out there for Credit Cards. My girlfriend lives across the country and so finding cheap tickets is a challenge. If you look carefully there are many cards willing to give you free miles/tickets if you only use your card. I say take advantage of these offers so long as you don’t fall into debt or mess up your credit score exponentially!

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