Maximizing benefits: The Best Small Business Rewards Credit Cards

If you’re a small business owner, you know that every penny counts when it comes to growing and maintaining your business. That’s why it’s important to consider using a small business rewards credit card. These types of credit cards come with various rewards and perks that can help offset the expenses of running a business. Whether you’re looking for cash back rewards, travel perks, or discounts on office supplies, there’s a rewards credit card out there that can help you get the most out of your spending. But before you sign up for just any credit card, it’s important to do your research and find the one that best fits your business’s needs. In this article, we’ll explore some of the best small business rewards credit cards on the market and help you find the one that’s right for you.

Top 10 Small Business Rewards Credit Cards

As a small business owner, getting the most out of every dollar spent is crucial to your success. That’s where rewards credit cards come in handy. Not only do they provide you with the flexibility to pay for expenses, but they also offer incentives in the form of rewards. Here are the top 10 small business rewards credit cards you should consider.

1. American Express Business Gold Card

The American Express Business Gold Card offers a flexible rewards program that allows you to earn points based on your business spending. You can earn points in categories like advertising, shipping, gas, and restaurants. With this card, you can earn up to 4x points on your purchases, and the points don’t expire.

2. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is one of the best credit cards for small business owners who travel frequently. With this card, you earn 3x points on travel purchases and 1x points on all other purchases. You can also get up to $600 in cell phone protection coverage.

3. Capital One Spark Cash for Business

Capital One Spark Cash for Business offers a flat 2% cashback on all your purchases, making it an excellent choice for entrepreneurs who prefer cashback rewards. What’s more, you can earn a $500 cashback bonus when you spend $4,500 within the first three months of opening the card.

4. The Business Platinum Card® from American Express

If you’re a frequent traveler, The Business Platinum Card® from American Express should be your go-to credit card. You can earn 5x points on flights and prepaid hotels, and enjoy airport lounge access across the globe. The card also offers a flexible rewards program that allows you to transfer your points to other airlines and hotels.

5. Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card offers unlimited 1.5% cashback on all purchases, making it an excellent choice for small business owners who want hassle-free rewards. You can also get a $750 cashback bonus when you spend $7,500 within the first three months of opening the card.

6. Bank of America Business Advantage Cash Rewards Mastercard Credit Card

With the Bank of America Business Advantage Cash Rewards Mastercard Credit Card, you can get a $300 statement credit when you spend $3,000 within the first 90 days of opening the card. The card also offers 3% cashback on purchases at gas stations and office supply stores and 2% cashback on purchases at restaurants.

7. Capital One Spark Miles for Business

The Capital One Spark Miles for Business credit card is ideal for business owners who like to travel, as it offers 2x miles per dollar spent on all purchases. You can also earn a bonus of up to 50,000 miles after spending $4,500 within the first three months of opening the card.

8. CitiBusiness®/AAdvantage® Platinum Select® Mastercard®

The CitiBusiness®/AAdvantage® Platinum Select® Mastercard® is designed for small business owners who travel frequently. You can earn 2 AAdvantage® miles per dollar spent on American Airlines purchases, telecommunications, car rentals, and gas stations. The card also offers a sign-up bonus of 65,000 miles after spending $4,000 on purchases within the first four months.

9. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card is perfect for small business owners who want to earn cashback rewards. You can earn 5% cashback on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services. You can also earn 2% cashback on the first $25,000 of purchases made at gas stations and restaurants, and 1% cashback on all other purchases.

10. American Express Blue Business Cash Card

American Express Blue Business Cash Card offers 2% cashback on all eligible purchases, up to $50,000 per year. The card has no annual fee and offers additional benefits, including car rental loss and damage insurance, purchase protection, and extended warranty coverage.

In conclusion, choosing the right rewards credit card can provide a small business with a significant competitive advantage. These top 10 small business rewards credit cards offer exceptional benefits and rewards, so finding the perfect card for your business has never been easier.

10 Best Small Business Rewards Credit Cards

If you’re a small business owner, one way to save money and earn rewards is by using a small business rewards credit card. However, with so many options available, it can be tough to figure out which one suits your needs. Here are ten of the best small business rewards credit cards.

1. Chase Ink Business Preferred

Chase Ink Business Preferred is a popular small business rewards credit card with a generous sign-up bonus. Cardholders earn 100,000 points after spending $15,000 in the first three months, which can be redeemed for travel rewards or cashback. This card also offers triple points on travel, shipping purchases, social media and search engine advertising, and internet, cable and phone services.

2. Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Business is a great option for small businesses that prefer cashback rewards. Cardholders earn 1.5% cashback on all purchases, with no annual fee. This card also offers a sign-up bonus of $200 after $3,000 in spending.

3. American Express Business Gold Card

American Express Business Gold Card offers flexible rewards and has a generous sign-up bonus. Cardholders earn 70,000 Membership Rewards points after spending $10,000 in the first three months. This card also offers up to four points per dollar spent on two categories of your choice, with options including advertising, shipping, and gas stations.

4. Southwest Rapid Rewards Premier Business Credit Card

Southwest Rapid Rewards Premier Business Credit Card is a great option for small businesses that frequently fly with Southwest Airlines. Cardholders earn up to 60,000 bonus points after spending $3,000 in the first three months. This card also offers double points on Southwest purchases and one point per dollar spent on all other purchases.

5. CitiBusiness/AAdvantage Platinum Select World Mastercard

CitiBusiness/AAdvantage Platinum Select World Mastercard is a great option for small businesses that frequently fly with American Airlines. Cardholders earn a sign-up bonus of 65,000 AAdvantage bonus miles after spending $4,000 in the first four months. This card also offers double miles on American Airlines purchases and one mile per dollar spent on all other purchases.

6. Bank of America Business Advantage Cash Rewards Mastercard Credit Card

Bank of America Business Advantage Cash Rewards Mastercard Credit Card offers cashback rewards and has no annual fee. Cardholders earn 3% cashback on their choice of six categories, including gas stations and office supply stores. This card also offers a sign-up bonus of $300 after spending $3,000 in the first 90 days.

7. Capital One Spark Miles for Business

Capital One Spark Miles for Business is a great option for small business owners who travel frequently. Cardholders earn double miles on all purchases and a sign-up bonus of 50,000 miles after spending $4,500 in the first three months. This card also offers a $100 credit for TSA PreCheck or Global Entry application fees.

8. SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express is a great option for small business owners who are looking for flexible cashback rewards. Cardholders earn 5% cashback on office supply stores and wireless telephone services. This card also offers a $250 statement credit after spending $5,000 in the first six months.

9. Ink Business Cash Credit Card

Ink Business Cash Credit Card is a great option for small businesses that want to earn cashback rewards on everyday purchases. Cardholders earn 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services. This card also offers a sign-up bonus of $500 after spending $3,000 in the first three months.

10. The Business Platinum Card from American Express

The Business Platinum Card from American Express is a great option for small businesses that travel frequently. Cardholders earn 5x Membership Rewards points on flights and prepaid hotels booked on amextravel.com. This card also offers a sign-up bonus of 75,000 Membership Rewards points after spending $15,000 in the first three months. Additionally, this card offers a range of travel perks, including access to airport lounges and a $200 airline fee credit.

In conclusion, small business rewards credit cards are a great way to earn rewards and save money on everyday business expenses. Choose a card that suits your individual needs and preferences and watch your rewards accumulate over time!

Benefits of Small Business Rewards Credit Cards

Small business owners have been turning to rewards credit cards as a way to save money and earn rewards for their everyday business expenses. Here are the top five benefits of using small business rewards credit cards.

Earn Cashback on Business Expenses

Small business rewards credit cards offer cashback rewards on business expenses like office supplies, internet and phone services, and travel expenses. These rewards can be used to offset the cost of these expenses, which can help to boost the bottom line for any small business owner.

Maximize Travel Rewards

Small business rewards credit cards also offer travel rewards, which can be used to book flights, hotels, rental cars, and more. Many of these cards also come with additional perks, such as airport lounge access and hotel upgrades. These rewards can be extremely valuable for businesses that have to travel frequently.

Manage Employee Expenses Easily

Small business rewards credit cards also make it easier to manage employee expenses. Business owners can have multiple cards with individual spending limits for each employee, which can help to keep expenses in check. Additionally, many cards offer detailed expense reports, which can be used to track expenses and ensure compliance with company policies.

Build Business Credit

Using a small business rewards credit card responsibly can also help to build business credit. By making on-time payments and keeping balances low, business owners can improve their credit score, which can help to qualify for better loan rates and financing down the line.

Get Special Offers and Discounts

Lastly, small business rewards credit cards also come with special offers and discounts. Many cards offer introductory bonuses, such as a large amount of bonus rewards for spending a certain amount within the first few months. Additionally, some cards offer discounts with partner merchants, which can help to save money on business purchases.

Here’s a sample table of the top small business rewards credit cards for 2021, based on their rewards programs:

Card Name Rewards Program Annual Fee
Chase Ink Business Cash 5% cashback on office supplies, internet, and phone service; 2% cashback on gas stations and restaurants $0
American Express Business Gold 4x points on two select categories; 1x points on all other purchases $295
Capital One Spark Cash 2% cashback on all purchases $0 for first year, then $95

In conclusion, small business rewards credit cards offer a variety of benefits for business owners, including cashback on business expenses, travel rewards, easier expense management, credit building, and special offers and discounts. By choosing the right card and using it responsibly, small business owners can save money and earn valuable rewards for their business expenses.

Small business credit cards can provide valuable rewards and perks for entrepreneurs. These credit cards offer benefits like cash back and points that can be redeemed for travel or other business expenses.

Pros of Small Business Rewards Credit Cards

Small business rewards credit cards have become increasingly popular over the years, and for good reason. They offer a wide range of benefits to business owners, including:

1. Cash Back Rewards
Small business rewards credit cards offer cash back rewards for everyday purchases such as office supplies, gas, and restaurants. By using your card for daily expenses, you can earn cash back which can be reinvested back into the business.

2. Travel Rewards
Most business owners travel frequently for meetings and conferences. Small business reward credit cards offer travel rewards, such as free flights and hotel stays. This can help reduce travel expenses and increase cash flow for the business.

3. Sign-up Bonuses
Small business rewards credit cards offer sign-up bonuses which can range from a few hundred dollars to thousands of dollars in rewards points. These bonuses can be redeemed for cash, travel, or other valuable rewards.

4. Employee Cards
Small business rewards credit cards allow business owners to issue employee credit cards with preset spending limits. This can help manage expenses and track employee spending. Additionally, business owners can earn rewards on purchases made by employees.

5. Credit Building
Small business rewards credit cards can help build business credit by establishing a payment history and a credit limit. This can help secure a loan or line of credit in the future.

6. Fraud Protection
Small business rewards credit cards come with fraud protection which can help mitigate any losses due to fraudulent purchases. This is especially important for small businesses with limited funds.

7. Financial Tracking
Small business rewards credit cards offer online account management tools which can help track expenses and monitor cash flow. This can simplify the accounting process and help with tax preparation.

8. Purchase Protection
Small business rewards credit cards offer purchase protection which can help reimburse the cost of stolen or damaged items. This can be beneficial for businesses that purchase expensive equipment or inventory.

9. Zero Interest Periods
Small business rewards credit cards offer zero interest periods which allow business owners to carry a balance for a certain amount of time without incurring interest charges. This can help manage cash flow during slower months or when unexpected expenses arise.

10. Flexibility
Small business rewards credit cards offer flexibility with spending and rewards. Business owners can choose from a variety of rewards programs and spending categories to suit their specific business needs. Additionally, rewards can be redeemed for cash, travel, or other valuable rewards.

Closing Thoughts on Small Business Rewards Credit Cards

Thanks for sticking with us through this article about small business rewards credit cards! We hope you found the information useful and informative. Managing a small business can be a tough task, but with the right tools and financial resources, it can be made simpler and more profitable. Rewards credit cards are a great way to take advantage of everyday business expenses to earn points and cash back. Remember to compare offers, read the fine print, and choose the card that’s right for your specific needs. We invite you to visit again soon for more helpful tips and advice on small business financing. Thanks for reading, and happy earning!

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