The Top Credit Cards for Small Businesses in 2015

Starting and running a small business is no mean feat; it comes with its fair share of challenges. Managing finances, from expenses to revenue, is one of the most daunting tasks, especially for new businesses. As a small business owner, getting the right credit card is critical to help manage your finances and keep expenses in check. With so many credit cards available in the market, making the right choice can be overwhelming. In this article, we have highlighted some of the best credit cards for small businesses in 2015, based on their features and benefits. Whether you are looking for rewards, cashback, or lower interest rates, we have got you covered.

Top 10 Best Credit Cards for Small Businesses in 2015

If you’re a small business owner, finding the right credit card can make all the difference. With so many options on the market, it can be tough to know which card is right for you. To help make your decision easier, we’ve put together a list of the top 10 best credit cards for small businesses in 2015.

1. Chase Ink Business Preferred

The Chase Ink Business Preferred card is a great option for small businesses with high travel expenses. This card offers 3 points per $1 spent on travel, shipping, internet, cable and phone services, and advertising purchases made with social media sites and search engines. There’s also no foreign transaction fee, making it a great card for international travel.

2. American Express Blue Business Plus

The American Express Blue Business Plus card is a top option for small businesses looking for a simple rewards structure. With this card, you’ll earn 2 points per $1 spent on all purchases, with no annual fee. Plus, you can transfer your points to a variety of airline and hotel loyalty programs.

3. Capital One Spark Cash for Business

The Capital One Spark Cash for Business card is a great option for small businesses looking for cash back rewards. This card offers a flat 2% cash back on all purchases with no limit on how much you can earn. There’s also no foreign transaction fee, making it a great option for international travel.

4. CitiBusiness/ AAdvantage Platinum Select World Mastercard

If your small business requires a lot of air travel, the CitiBusiness/ AAdvantage Platinum Select World Mastercard is a great option. This card offers 2 miles per $1 spent on American Airlines purchases, as well as gas station and restaurant purchases. There’s also a bonus offer of 70,000 miles after spending $4,000 within the first 4 months of account opening.

5. Capital One Venture Rewards

The Capital One Venture Rewards card is a popular option for small businesses with high travel expenses. This card offers 2 miles per $1 spent on all purchases, and you can earn up to 100,000 bonus miles when you spend $20,000 on purchases within the first 12 months of account opening.

6. Discover it Business

The Discover it Business card is a great option for small businesses looking to save on interest charges. This card offers 0% APR on purchases for the first 12 months, as well as 1.5% cash back on all purchases. Plus, there’s no annual fee, making it a great option for small business owners on a budget.

7. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard is a great option for small businesses looking for cash back rewards. This card offers 3% cash back on purchases made at gas stations and office supply stores, and 2% cash back on purchases made at restaurants. There’s also a $300 statement credit offer after spending $3,000 within the first 90 days of account opening.

8. Chase Ink Business Cash

The Chase Ink Business Cash card is a great option for small businesses with a lot of office-related expenses. This card offers 5% cash back on the first $25,000 spent annually at office supply stores and on phone, internet, and cable services. There’s also 2% cash back on the first $25,000 spent annually at gas stations and restaurants.

9. American Express Business Gold Card

The American Express Business Gold Card is a great option for small businesses with high expenses in multiple categories. This card offers 4 points per $1 spent on the 2 categories where you spend the most each month, as well as 1 point per $1 spent on all other purchases. There’s also a welcome offer of 35,000 points after spending $5,000 within the first 3 months of account opening.

10. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is a great option for small businesses looking to save on interest charges. This card offers 0% APR on purchases and balance transfers for the first 9 months, as well as no annual fee. Plus, you can earn up to $500 in cash back rewards when you spend $5,000 within the first 3 months of account opening.

In conclusion, choosing the right credit card for your small business can help streamline expenses, improve cash flow, and earn valuable rewards. Consider these top 10 options when making your decision, and be sure to read all terms and conditions carefully before making your choice.

The 10 Best Credit Cards for Small Businesses in 2015

When running a small business, it’s crucial to have access to credit to help with cash flow and unexpected expenses. Finding the right credit card for your business can be overwhelming, but we’ve done the research for you. Here are the top 10 credit cards for small businesses in 2015:

1. Chase Ink Bold: This card offers valuable rewards for business owners who travel frequently. It has no foreign transaction fees, and you earn points that can be used for flights and hotel stays.

2. American Express SimplyCash: With no annual fee and cash back on purchases, this card is perfect for businesses that want to keep their expenses low. You can earn 5% cash back on office supplies and wireless bills.

3. CitiBusiness ThankYou Card: This card offers valuable rewards for common business expenses like advertising, shipping, and office supplies. You can also receive bonus points when you sign up and meet certain spending requirements.

4. Bank of America Business Advantage Travel Rewards World Mastercard: If your business involves frequent travel, this card offers no foreign transaction fees, a generous rewards program, and travel perks like travel accident insurance and roadside assistance.

5. Capital One Spark Miles for Business: This card offers 2 miles per dollar spent on all purchases, making it one of the best options for businesses that spend a lot on travel.

6. Discover it Business Credit Card: With no annual fee and cash back on all purchases, this card is great for small businesses that want to save money. You can earn 1.5% cash back on all purchases, and there’s no limit to how much you can earn.

7. Barclays Arrival Premier World Elite Mastercard: This card offers generous rewards and travel perks, including Global Entry application fee credits and travel accident insurance. You can earn bonus points when you meet certain spending requirements.

8. Capital One Spark Cash for Business: This card offers unlimited 2% cash back on all purchases, making it a great option for businesses that want simplicity and consistently high rewards.

9. U.S. Bank Business Edge Cash Rewards World Elite Mastercard: This card offers cash back on everyday business purchases, including gas, office supplies, and phone service. It also offers a 0% intro APR for the first 15 billing cycles on purchases and balance transfers.

10. Wells Fargo Business Platinum Credit Card: This card offers a strong rewards program, including 1.5% cash back on all purchases and 1,000 bonus points when you spend $1,000 in the first 3 months. It also has no annual fee and a 0% intro APR for the first 9 months on purchases and balance transfers.

In conclusion, small business owners have a variety of credit card options to choose from. It’s important to find one that matches your business needs, whether that involves cash back, rewards for travel, or a low APR. Do your research and consider these 10 best credit cards for small businesses in 2015.

Cash Back Credit Cards

Cash back credit cards are a popular choice for small business owners who want to earn rewards on their spending and save money. With these credit cards, you can earn cash back on your purchases, which can be used to offset future expenses. Here are some of the best options for small business owners:

Credit Card Cash Back Rewards Annual Fee
Chase Ink Business Cash 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 per year), 2% cash back on gas and restaurants (up to $25,000 per year), and 1% on all other purchases $0
American Express SimplyCash Plus 5% cash back on office supply and wireless telephone services (up to $50,000 per year), 3% cash back on a category of your choice (up to $50,000 per year), and 1% on all other purchases $0
Capital One Spark Cash for Business 2% cash back on all purchases $0 for the first year, then $95

When choosing a cash back credit card for your small business, it is important to consider the rewards structure and annual fee. Some cards may offer higher cash back rewards but also have a higher annual fee, which could offset your savings. Look for a card that aligns with your spending habits and provides the most valuable rewards for your business.

Also, keep in mind that some cash back credit cards may require you to manually activate your rewards categories each quarter. Make sure to read the terms and conditions before applying for a card to ensure that you will be able to earn the rewards you want without any additional effort.

There are a variety of credit card options available for small business owners in 2015, but finding the right fit can be overwhelming. Check out this article on best business credit cards to help narrow down your search and find the perfect card for your business needs.

10 Pros and Cons of the Best Credit Cards for Small Businesses in 2015

In the previous section, we gave you a rundown of some of the best credit cards for small businesses in 2015. Let us now dive into the nitty-gritty and examine the pros and cons of these credit cards. Each card has its unique benefits and downsides, and as a business owner, you need to weigh them to make an informed decision.

1. American Express Business Gold Card Pros

One big advantage of the American Express Business Gold Card is its rewards program. Cardholders earn Membership Rewards points which can be redeemed for merchandise, travel, or gift cards. The rewards program also includes a 25% airline bonus when cardholders purchase flights through American Express Travel.

However, a downside to the card is its high annual fee of $295. Furthermore, the card does not have a 0% introductory APR offer, which could be a disadvantage if you need financing.

2. Capital One Spark Cash for Business Pros

The Capital One Spark Cash for Business card offers cashback rewards, which can be useful for business owners who prefer to receive money or credit on their statement instead of redeeming points. It has an unlimited 2% cash back on all purchases, which is a considerable advantage.

The downside to the Capital One Spark Cash for Business card is its high APR of 20.99%. While the card has a 0% introductory APR for the first 9 months, this can be a significant disadvantage for businesses that carry balances on their credit cards.

3. Bank of America Business Advantage Cash Rewards Mastercard Pros

One of the advantages of the Bank of America Business Advantage Cash Rewards Mastercard is its cashback rewards system. Cardholders can earn 3% cash back in one of six popular business categories and 2% cash back on dining purchases and gas stations. Additionally, the card has no annual fee, which can be a significant advantage for small businesses.

On the downside, the Bank of America Business Advantage Cash Rewards Mastercard has a relatively low sign-up bonus compared to its competitors. Furthermore, like the Capital One Spark Cash for Business, the card has a high APR of 20.74%, which can be a disadvantage to businesses carrying balances.

4. Chase Ink Business Preferred Credit Card Pros

The Chase Ink Business Preferred Credit Card boasts a generous sign-up bonus of 100,000 points when you spend $15,000 in your first 3 months. Additionally, the card has a rewards program where points earned can be transferred to travel partners or redeemed for travel purchases.

On the downside, the card has a $95 annual fee, which can be a deterrent for some business owners. Furthermore, the card has a high APR of 20.99%.

5. CitiBusiness/AAdvantage Platinum Select Mastercard Pros

The CitiBusiness/AAdvantage Platinum Select Mastercard is best suited for business owners who travel frequently for work. The card offers numerous travel benefits, such as priority boarding, free checked bags, and a 25% discount on in-flight purchases. Additionally, cardholders can earn miles for purchases made through American Airlines.

On the downside, the card has a $99 annual fee, which can be a deterrent for some business owners. Furthermore, the card does not offer cash back rewards, which may not be suitable for some businesses.

6. Discover it Business Credit Card Pros

The Discover it Business Credit Card offers cashback rewards, which can be useful for business owners who prefer cash over other rewards. The card offers 1.5% cash back on all purchases, and the cashback rewards double at the end of the first year.

On the downside, the card does not have a 0% introductory APR offer for purchases, which can be a disadvantage for businesses that need financing.

7. Capital One Spark Classic for Business Pros

The Capital One Spark Classic for Business offers a rewards program where cardholders can earn cash back on all purchases. Additionally, the card offers fraud coverage, which can be useful for businesses that are particularly exposed to fraud.

However, the card has a high APR of 26.99%. Furthermore, the rewards program is not as generous as some of its competitors.

8. Wells Fargo Business Secured Credit Card Pros

The Wells Fargo Business Secured Credit Card is best suited for small businesses that are building credit. The card offers a credit limit of up to $25,000 and reports to the major credit bureaus. Additionally, the card offers rewards for purchases made, making it attractive for businesses looking to earn rewards.

On the downside, the card requires a cash deposit to secure the credit limit, which may not be feasible for businesses with limited cash flow.

9. Capital One Spark Miles for Business Pros

The Capital One Spark Miles for Business offers a rewards program where cardholders can earn miles for all purchases made. The miles can be redeemed for travel purchases or transferred to travel partners.

On the downside, the card has a high APR of 20.99%, and the rewards program may not be as generous as some of its competitors.

10. American Express Blue Business Cash Card Pros

The American Express Blue Business Cash Card offers a rewards program where cardholders can earn cash back on purchases made. Additionally, the card has no annual fee, which can be advantageous for small businesses.

On the downside, the card has a higher APR than some of its competitors at 13.24% to 19.24%. Furthermore, the cashback rewards program is not as generous as some of its competitors.

In conclusion, choose the best credit card for your small business depends on your goals, spending habits, and financial situation. Weighing the pros and cons of each card can help you make an informed decision and maximize your rewards and benefits as a business owner.

Thanks for reading and happy swiping!

We hope we’ve been able to provide you with valuable information about the best credit cards for small businesses in 2015. Whether you’re just starting out or looking to upgrade your current card, there’s something out there for everyone. Remember to always read the fine print and choose a card that suits your needs and spending habits. We appreciate you taking the time to read our article and hope you’ll come back for more in the future. Happy swiping!

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