Business Credit Cards

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Business Credit Card

Business Credit Card
Business Credit Card
Finding a good business credit card for a small or medium size business is essential. As the owner of a small business you will need a business credit card for business expenses like travel, meetings with clients, and building up your business credit. Here is a list of business credit cards that may work for you. In most cases, when applying for a business credit card you will need to provide a personal guarantee of repayment. If you do not have good credit, this will affect the type of business credit card you will qualify for.

Ink Cash from Chase. The Ink Cash card offers a cash back program of $150 when you first use the card. If you spend $5,000 in the first three months you can earn $100 more in rewards. Additionally, cardholders get 5% cash back if you are purchasing office supplies, phone products such as wireless, landline and cable products on the first $25,000 spent yearly. Your company will also earn 2% back on gas and dining expenses for the first $25,000 . You also earn 1% cash back on everything else you purchase. There is no annual fee for this card. There is a 0% introductory interest rate for credit card balance transfer and purchases over the first six months of card ownership. There is also no fee for adding additional cardholders like other employees to the card account. Chase also offers rewards if you shop online through the Chase Rewards Plus such as 10% back on selected purchases.

SimplyCash® Business Card from American Express. The SimplyCash card offers a variety of benefits for small business owners. The card issuer offers a 0% interest introductory rate for any purchases for up to a full year if you have a good credit history. You also receive 5% cash back on certain purchases your company makes on office supplies, and wireless purchases. There is a 3% cash back program for gas purchases and 1% cash back for your other purchases. There is no annual fee for this credit card.

The Plum Card® from American Express. The Plum card from American Express is not actually a credit card. It is one of the cards offered by American Express that you have to pay in full however, with this card you have up to two months to pay off balances. If you pay your monthly charges off on time then you get a 1.5% discount on everything you bought. There is a $185 annual fee for the Plum card which is waived for the first year.

Ink Classic. The Ink Classic card is a credit card for business designed for small and medium size business owners wo do a lot of traveling for their business. You need to have excellent credit to qualify for this card. For every purchase you make you get one rewards point. You receive two rewards points for everything you spend on gas and hotels on the first $25,000 of charges during the year. There is no annual fee for this card. Additional cardholders can be added to the card for no additional fee. For signing up you receive 15,000 bonus points.

Starwood Preferred Guest® Business Credit Card from American Express. This credit card from American Express is also targeted at small or medium size business owners who travel. Features of the card are earning 25,000 bonus Starpoints with your first purchase using the card if you spend $15,000 with the card during the first year. You get four Starpoints for every dollar you spend at Starwood Hotels and resorts. One Starpoint is earned for every dollar spent on everything else. There is an annual fee of $65.00 which is waived for the first year.

Business Credit Card Notes:

Business credit cards are designed for corporate, sole proprietorship, new business, and small business owners. They include numerous benefits which are designed to suit the needs of daily business operations. Keep track and manage all of your company expenses. Plus, get great benefits such as no annual fee, low intro rates and more!

Business Credit Card for Bad Credit

If you as a guarantor have bad credit your business credit card choices are significantly limited. You may want to inquire about the program by Applied Bank for bad credit. See, also Business Credit Cards for New Business.

Starwood Preferred Guest® Business Credit Card From American Express Open

Starwood Preferred Business Card
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.9% 6 Months 15.24% Free for First year, then $65 Yes* Excellent Credit

Gold Delta SkyMiles® Business Credit Card From American Express OPEN

Gold Delta SkyMiles Business Credit Card
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free-for up to 8 people on your reservation-on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 15.24% - 19.24% Variable No annual fee for the first year - $95 annual fee thereafter. N/A Excellent Credit

Simply Cash® Business Card From American Express OPEN

Simply Cash Business Card from American Express OPEN
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz(R), OfficeMax(R), and more with OPEN Savings®
  • No introductory annual membership fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% for up to 12 months as low as 13.24% 0$ N/A Excellent Credit

The Business Platinum Card® From American Express OPEN

Business Platinum Card from American Express OPEN
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
  • 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
  • Complimentary airport club access, including American Airlines Admirals Club® lounges
  • Concierge service to assist with your business needs from gift giving to dinner reservations
  • Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club(R), Avis Preferred®, and Emerald club from National® Car Rental
  • The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
  • Enrollment in the Membership Rewards First(R) program
  • No pre-set spending limit*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $450 N/A Excellent Credit

The Business Gold Rewards Card From American Express OPEN

Business Gold Rewards Card from American Express OPEN
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • Earn 25,000 bonus points each year if you shift $50,000 of your business purchases onto the Card
  • Unlimited rewards potential - Membership Rewards(R) points have no limit to the amount you can earn and no expiration date
  • More purchasing power - Your purchase capacity can evolve with your business. Shift business expenses onto the Card and earn more rewards
  • No introductory annual fee for the first year - a savings of $125
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A no annual fee for the first year - $125 annual fee thereafter N/A Excellent Credit

The Plum Card® From American Express OPEN

The Plum Card from American Express OPEN
  • Overall Rating Five Stars
  • Benefit Rating Five Stars
  • The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • No introductory annual fee for the first year- a savings of $185
  • A powerful cash flow management tool
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A no annual fee for the first year - $185 annual fee thereafter N/A Excellent Credit

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Simply Cash Business Card from American Expess OPEN