If you’re a business owner, having a credit card specifically for business use can greatly improve your financial management and help you earn rewards on expenses. However, choosing the best business credit card offer can be overwhelming with so many options available. To help simplify your search, we’ve compiled a list of the top business credit card offers currently available. From offering high rewards rates to providing helpful features like expense tracking, these credit cards can help you effectively manage your business’s finances. Keep reading to learn more about these top business credit card offers.
1. Chase Ink Business Preferred Credit Card
If you’re looking for a business credit card with a generous sign-up bonus, the Chase Ink Business Preferred Credit Card may be the perfect fit for you. With a $95 annual fee, you’ll get 100,000 bonus points after spending $15,000 in the first 3 months of opening an account. This card offers 3 points per $1 spent in select categories and 1 point per $1 on other purchases. Additionally, it offers valuable travel and purchase protections for your business needs.
2. American Express Business Gold Card
If you value flexibility in earning rewards, the American Express Business Gold Card may be perfect for your business. This card has a $295 annual fee but comes with a generous welcome bonus of 70,000 points after spending $10,000 in the first three months. Additionally, you can earn 4x points per dollar spent in two categories of your choice, 1x point on all other purchases and a 25% boost on points earned in your first year.
3. Capital One Spark Cash for Business
If you want to earn cash back with your business credit card, the Capital One Spark Cash for Business is a great option. With no annual fee for the first year and then $95 in subsequent years, this card offers unlimited 2% cashback on all purchases, making it easy to keep track of your rewards. Plus, you can earn a $500 cash bonus when you spend $4,500 in the first 3 months of opening your account.
4. Bank of America Business Advantage Cash Rewards Mastercard credit card
This card offers a cashback program where you can get 3% cashback on eligible gas and office supply purchases, 2% cashback on purchases made at restaurants, and 1% cashback on all other purchases. No annual fee and for new cardholders, you can earn a $300 statement credit when you make at least $3,000 in purchases within the first 90 days of account opening.
5. CitiBusiness/AAdvantage Platinum Select Mastercard
If your business involves a fair amount of travel, this credit card from Citibank is perfect for you. The card offers 2 miles per dollar for every eligible American Airlines purchase and 1 mile per dollar on all other purchases. Additionally, the card comes with perks like a free checked bag on domestic flights, preferred boarding, and a 25% discount on in-flight purchases on American Airlines flights. The annual fee is $99 but it’s waived for the first year.
6. U.S. Bank Business Leverage Visa Signature Card
With this card, you can earn 2x points per dollar spent on eligible net purchases at office supply stores and on cellular phone, landline, internet, and cable TV services. You can also earn 1x point per dollar spent on all other eligible net purchases. Additionally, new cardholders can earn 75,000 bonus points when they spend $7,500 in eligible net purchases within the first 4 months of opening an account. The annual fee is $95 but it’s waived for the first year.
7. Wells Fargo Business Elite Card
This card is ideal for businesses that have high-worth purchases. This card is designed to give you access to over $1 million in credit, making it perfect for larger expenses. The card offers an introductory 0% APR on purchases and balance transfers for the first 12 months as well as no annual fee.
8. The Blue Business Plus Credit Card from American Express
This is a simple yet versatile credit card that comes with no annual fee. You can earn 2x Membership Rewards points per dollar spent on the first $50,000 each year, then 1%. This earns you rewards without having to worry about annual fees or keeping track of spending in certain categories.
9. Marriott Bonvoy Business American Express Card
This card is made for businesses that frequently travel and stay at Marriot hotels. With a $125 annual fee, cardholders receive 6x points per dollar spent on select Marriott Bonvoy purchases and 4x points per dollar spent on U.S. restaurants, U.S. gas stations, U.S. cellphone services, and U.S. shipping purchases. This card also provides several perks including an annual free night and automatic Silver Elite Status with Marriott Bonvoy.
10. Amazon Business Prime American Express Card
This card is designed for small businesses with Amazon Prime membership, offering 5% cashback or 90-day financing on purchases made through Amazon. This card has no annual fee and offers valuable rewards for businesses that rely on Amazon to purchase supplies.
Top 10 Business Credit Card Offers with Great Rewards
When you own a business, you need to take advantage of rewards that come with using a credit card for expenses. Fortunately, there are several excellent business credit cards on the market with outstanding rewards programs. Here are the top ten business credit cards to consider:
1. Chase Ink Business Cash Credit Card
The Chase Ink Business Cash Credit Card offers excellent cashback rewards. Earn 5% cashback on office supplies, internet, cable, and phone services. You’ll also earn 2% cashback on gas and dining expenses. Don’t forget the 1% cashback for all other purchases. Enjoy a sign-up bonus of $500 when you meet the spending requirements.
2. Capital One Spark Cash for Business
The Capital One Spark Cash for Business credit card is perfect if you need a cash advance for your business. Enjoy unlimited 2% cashback rewards on all purchases with no caps or category restrictions. With no foreign transaction fees, there’s no worry about traveling internationally.
3. American Express Business Gold Card
The American Express Business Gold Card offers flexible reward options and is suitable for business professionals who travel regularly. Choose to earn rewards points for all purchases, no matter the category. Enjoy ample travel benefits like lounge access and free baggage for each flight.
4. CitiBusiness ThankYou Card
The CitiBusiness ThankYou Card is perfect for businesses that spend on travel and office expenses. Earn up to 3 ThankYou points per dollar spent on office supplies, gas, and airlines. Redeem ThankYou points for travel, merchandise, or account credit.
5. Bank of America Business Advantage Cash Rewards Mastercard
The Bank of America Business Advantage Cash Rewards Mastercard offers 3% cashback on purchases within selected categories. Enjoy 2% cashback on purchases at restaurants and gas stations, as well as 1% cashback on all other purchases. Redeem cashback rewards for checks, statement credit, or deposits into a Bank of America account.
6. Discover it Business Card
The Discover it Business Card provides up to 1.5% unlimited cashback on all purchases. Enjoy a 0% introductory APR as a new cardholder. As a result, you can defer paying interest on purchases for up to 12 months.
7. The Blue Business Plus Credit Card from American Express
The Blue Business Plus Credit Card from American Express is the perfect choice for new businesses. Enjoy unlimited 2x Membership Rewards on the first $50,000 spent per year. This card is a great option for businesses with fluctuating expenses and does not come with an annual fee.
8. Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is perfect for business owners who require zero interest for the first 12 months. Enjoy an introductory APR of 0% for the first 12 months. After that, a variable APR applies based on the market.
9. U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum Card may be the perfect fit if your business needs to be efficient with cash flow. Enjoy a 0% APR for the first 20 billing cycles on purchases and balance transfers. Plus, there’s no annual fee for the first year.
10. Barclaycard Arrival Plus World Elite Mastercard
The Barclaycard Arrival Plus World Elite Mastercard is suitable for any business professional who travel regularly. Enjoy 2x miles rewards for every purchase, and 70,000 bonus miles during the first 90 days of opening your account when you meet the spending requirements.
Top Business Credit Card Offers – Choosing the Best One for Your Business
Now that you have a basic understanding of how business credit cards work and the advantages they offer to small business owners, let’s dive into the top business credit card offers available in the market.
1. Cashback Rewards Business Credit Cards:
If your business makes a lot of purchases, a cashback rewards business credit card can be the best option for you. These credit cards can offer a percentage back on each purchase made, which can add up to significant savings for your business in the long run. Some of the top cashback rewards business credit cards include the Chase Ink Business Cash card, Capital One Spark Cash Select for Business, and American Express SimplyCash Plus.
2. Travel Rewards Business Credit Cards:
For businesses that travel frequently, a travel rewards business credit card can be extremely valuable. With these credit cards, you can earn miles or points that can be used to redeem flights, hotel stays, and other travel-related expenses. Some of the top travel rewards business credit cards include the Capital One Spark Miles card, Chase Ink Business Preferred card, and the American Express Business Platinum Card.
3. 0% Introductory APR Business Credit Cards:
If you plan to carry a balance on your credit card, a 0% introductory APR business credit card can save your business a considerable amount of money in interest charges. With these credit cards, you won’t be charged any interest on your balance for up to a year or more, allowing your business to pay down debt without accruing additional interest charges. Some of the top 0% introductory APR business credit cards include the Chase Ink Business Unlimited card, CitiBusiness AAdvantage Platinum Select World MasterCard, and the American Express Blue Business Plus.
4. Charge Cards:
Charge cards are another option available to businesses. Unlike credit cards, charge cards do not have credit limits and require the balance to be paid in full each month. However, these cards often have higher annual fees and require excellent credit. If your business can handle the payment requirements, charge cards can offer significant rewards and benefits, such as the American Express Business Gold Rewards card.
5. Small Business Credit Cards:
Small business credit cards are specifically designed for small business owners and offer unique benefits such as discounts on office supplies, telecommunications, and advertising. Additionally, these credit cards can help you build credit for your business and separate your personal and business finances. Some of the top small business credit cards include the Bank of America Business Advantage Cash Rewards Mastercard, Costco Anywhere Visa Business card by Citi, and the Capital One Spark Classic.
When choosing the best business credit card for your business, it’s essential to consider your business needs, expenses, and credit rating. A good credit score can help you qualify for the best rewards, rates, and terms. Keep in mind that in addition to the benefits, credit cards can carry various fees, including an annual fee, late payment fee, foreign transaction fee, and balance transfer fee.
To help you compare and choose the best business credit cards for your business, we have compiled a table with the top-rated credit cards in each category mentioned above:
|Cashback Rewards Business Credit Cards
|Travel Rewards Business Credit Cards
|Chase Ink Business Cash card
|Capital One Spark Miles card
|Capital One Spark Cash Select for Business
|Chase Ink Business Preferred card
|American Express SimplyCash Plus
|American Express Business Platinum Card
|0% Introductory APR Business Credit Cards
|Small Business Credit Cards
|Chase Ink Business Unlimited card
|American Express Business Gold Rewards card
|Bank of America Business Advantage Cash Rewards Mastercard
|CitiBusiness AAdvantage Platinum Select World MasterCard
|American Express Blue Business Plus
In conclusion, a business credit card can be an important tool for entrepreneurs looking to grow their business and manage their finances efficiently. By selecting the right business credit card, you can gain access to various rewards, build credit for your business, and enjoy benefits such as cash flow management, expense tracking, and flexible payment options. Use the information provided in this article to make an informed decision about the best business credit card for your business needs and goals.
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Pros of Top Business Credit Card Offers
1. Cashback Rewards: One major advantage of the top business credit card offers is cashback rewards. These rewards offer businesses a percentage return on their spending, and some cards offer higher cashback rates for specific purchases, such as office supplies or travel. This rewards system can help businesses save money and improve their cash flow.
2. Travel Perks: Another perk of top business credit card offers is the travel benefits they provide. These benefits can include free lounge access at airports, discounts on flights and hotels, and travel insurance. Business owners can save money on their business travel by using these cards to pay for flights, hotel bookings, and other travel expenses.
3. Improved Credit Score: Using a business credit card can also help improve a business’s credit score. Making timely payments and keeping the credit utilization ratio low can lead to an increased credit score. A higher credit score can benefit the business by making it easier to obtain loans and financing in the future.
4. Easy Expense Tracking: Top business credit card offers also provide an easy way to track business expenses. Each transaction is recorded on the credit card statement, making it simple to track and categorize expenses for budgeting and tax purposes. This feature can save businesses time and effort in tracking expenses manually.
5. Employee Spending Control: Business credit cards also provide business owners with control over employee spending. Business owners can set limits on employee spending and monitor their transactions, ensuring that purchases align with the company’s expense policy. This feature makes it easier to prevent overspending and minimize the risk of fraudulent transactions.
6. Fraud Protection: Top business credit cards also offer fraud protection for businesses. Card issuers have sophisticated fraud detection systems that can help detect fraudulent transactions and alert the cardholder immediately. This feature can save businesses from financial loss due to fraudulent transactions.
7. Increased Purchasing Power: Business credit cards can also provide businesses with increased purchasing power. They can use it to purchase large or expensive items traditionally outside their means and payable over time, without disrupting their cash flow.
8. Easy Online Purchases: Business credit cards can be useful for online purchases. They eliminate the need for businesses to set up separate payment accounts or use personal credit cards, simplifying the process of making online purchases.
9. Credit Building: Business credit cards can also help business owners build their credit. Making timely payments can improve the business’s credit score, which can lead to better rates on loans and other financing options.
10. Perks and Rewards: Finally, top business credit cards often come with additional perks and rewards, such as purchase protection or extended warranties on purchases. These rewards and perks can help businesses save money and provide added value.
Thanks for Checking out Our Top Business Credit Card Offers!
We hope that you found this article helpful in your search for the best business credit card. Remember to always compare offers and read the fine print before making a decision. Also, don’t forget to visit our website again for more informative articles and updates on the latest credit card offers. Thanks for reading and see you again soon!