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The best business credit cards help you earn extra rewards without adjusting your professional spending habits. That can make all the difference in the world when it comes to purchasing a big ticket item and reaping the rewards necessary for a free hotel stay or business trip. We’ve put together a list of the our top picks for best business credit cards for 2019. Take a look and apply online in minutes for the one that matches your needs.
disclaimer-statement.info’s top picks for the best business credit cards
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Larger businesses tend to have significantly larger expenditures, which is where The Business Platinum® Card from American Express could really make a difference. Within the first 3 months of owning this card, big spenders can earn 50,000 Membership Rewards® points by spending $10,000 on qualifying purchases. An additional $10,000 spent within that window earns cardholders an extra 25,000 points. If your business is large enough to take advantage of this intro bonus, then the annual fee of $595 (See Rates & Fees) shouldn’t be that much of a deal breaker. Not when the rewards potential of The Business Platinum® Card from American Express is so high.
The Business Platinum® Card from American Express is great for the business that typically spends in excess of $5,000, especially on big-ticket items. Smaller businesses, however, might not be able to make the most of this and the steep annual fee of $595 can be a real deal breaker.
Why you'll love it
The Business Platinum® Card from American Express features incredible rewards potential if you’re in the business of traveling and purchasing big-ticket items. You can use this card to maximize your rewards in these categories and never have to worry about traveling in style.
Reward details5% cash back on U.S. wireless phone service and 3% on the category of your choice. This applies to the first $50,000 in purchases per calendar year, then 1% applies thereafter. (Terms apply)
We can’t recommend the SimplyCash® Plus Business Credit Card from American Express enough to freelancers and smaller businesses. This low-maintenance, no-frills business credit card comes with a simple and flexible rewards program that anyone can appreciate. Not only can you earn 3% cash back on relevant business expenses, you can actually choose the rewards categories that align with your professional expenditures. These spending categories can include filling up at a U.S. gas station or paying for airfare.
Pay for your all your company’s internet and wireless phone services purchased directly from U.S. service providers with this card.
Analyze upcoming expenses and choose your rewards category carefully. You can earn 3% cash back in the spending category that best fits your business plan: U.S. gas stations, U.S. shipping, airfare, U.S. software, and more.
Consider your yearly expenses when looking into the SimplyCash® Plus Business Credit Card from American Express. The ability to earn 5% and 3% cash back on select categories can be a boon, but it only applies to the first $50,000 in purchases per calendar year with a 1% rate thereafter. If you find that your business spending regularly exceeds this cap (to the point of even being double), then you might not get the most out of this card’s rewards program. In that case, you could turn your attention to the Ink Business Preferred℠ Credit Card (currently unavailable). This card lets you earn 3x points on travel and select business categories and the cap is much higher at $150,000 each account anniversary year.
While the Discover it® Miles card is not technically a business credit card, it can be a tremendous boon for those freelancers and digital nomads who travel for a living. There are no annual fees with this card and business travelers can appreciate the freedom that comes with no foreign transaction fees, as well. This card also rewards spending in categories that fall within the realm of travel. This means that you could earn 1.5x miles for every dollar you spend on gas, car rentals, and more. Miles that can be redeemed for eligible travel purchases including airfare. Whether you’re representing a large business overseas or a freelancer traveling the world, the Discover it® Miles card makes a wonderful addition to any business owner’s wallet.
Buy everything with this card (unless you have a specific airline or hotel card that offers more than 1.5x miles). The more you spend in the first year, the more you’ll get with your first year rewards match.
Traveling overseas? Bring this card! Rest assured that you won’t be charged a foreign transaction fee.
Book travel through your favorite discount travel site or during a sale, then reimburse yourself with a travel statement credit.
Understanding the limits of the Discover it® Miles card when it comes to rewards and miles redemption benefits is an important factor to take into consideration. One thing to point out is that you cannot transfer your miles into travel loyalty programs. That right there is often enough of a deal breaker for those who would prefer a specific airline or would want to combine rewards redemption with airline sales. Another thing to factor into the equation is that the Discover it® Miles card does not let you receive your bonus miles for its hefty rewards match until the end of the first year. For those who want more flexibility, we recommend the Ink Business Preferred℠ Credit Card (currently unavailable). This card grants a 1:1 points transfer rate to Chase airline partners in addition to a signup bonus worth $1,000 in travel (through Chase Ultimate Rewards®).
Why you'll love it
The Discover it® Miles makes earning free travel effortless. There’s no need to track spending in select categories; simply use the card for every purchase you make, and watch the rewards stack up. Automatic mile-for-mile match at the end of your first year makes this $0-annual-fee card an even sweeter deal for business and leisure travelers alike.
The term “business credit cards” refers to cards offering rewards and bonuses that appeal to business owners and employees. For the road warrior, a good business credit card would be the Ink Business Preferred℠ Credit Card (currently unavailable). This is because it offers 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants (each account anniversary year). Then, those rewards can be redeemed for business travel purposes at most major airlines.
Why get a business credit card?
If you can get a business credit card that rewards your professional spending, why shouldn’t you get a business credit card? Business credit cards are one of the best ways for employees and business owners to earn money while spending money. An employee can put all their professional expenditures on a business credit card and, in some cases, put those rewards toward free travel (for business).
Simply put, business credit cards can help your business grow. You make the purchases you need to operate, and at the same time earn something extra.
Other reasons include:
An easy means of divorcing personal and professional spending
Financial flexibility on big ticket purchases
Earning rewards you can often put toward business interests
Which business credit card is easiest to get?
The answer to this question can vary depending on the size of your business and the card provider you’re looking at. In general, small business credit cards tend to have a comparatively easier approval process. It’s important to shop around and consider all possible options to ensure you’re getting the best possible business credit card for your needs.
What is the best small business credit card?
The best small business credit card is the one that meets your professional financial goals. For instance, are you a small business owner? Then you might consider the Ink Business Cash℠ Credit Card (currently unavailable). On the other hand, big businesses may consider The Business Platinum® Card from American Express. If you travel a lot, you may want a no-fee travel card, like the Discover it® Miles. Take a moment to think about your professional goals for the next few years and compare the best business credit cards on our list to find the right one for you.
What is a micro business credit card?
While not applicable in the United States (as of the writing of this piece), you might have heard about a micro business credit card. The term “micro business credit card” refers to a business credit card issued by the West Bengal Government of India. It is described as a card that facilitates small and medium business entrepreneurs. In some respects, it is similar to the small business credit card you can obtain in the United States.
Can I use a business credit card for personal expenses?
While it is possible for you to charge your personal expenses to a business credit card, you shouldn’t. Mainly for tax purposes, it’s best to keep your personal and professional expenses separate. This is especially true in the event that your business is audited. In that situation, it’s much easier to organize the relevant professional expenses when you limit them to a business credit card.
Can I apply for a business credit card?
The requirements for each card may vary, but in general, if you’re a business owner — large or small — then you qualify to apply for a business credit card. If you’re a small business owner, they may look into your credit profile and you may be asked to share your personal income information as well. Be honest on your application, though, because if you’re caught in a lie, you may be subject to a financial review.
Who are small business credit cards good for?
Small business credit cards are often best suited to self-employed individuals as well as freelancers and consultants. These can include doctors and dentists who run their own practices, business owners who spend heavily on office supplies, sales associates who travel frequently, and even consultants who need to entertain their clientele.
Do business credit cards affect your personal credit score?
The short answer: Maybe. Signing up for one of the best business credit cards is a great way to separate personal and business finances; however, it depends on the card whether or not it will affect your personal credit score. Almost all business credit cards require personal guarantees, but, some will only report activity to commercial credit bureaus, not consumer credit bureaus that handle your personal credit score. You may need to call your card’s customer service representative to find out which bureaus they report to.
How can I check my business credit?
Similar to how you check your personal credit report, you can request a business credit report from the three major commercial credit bureaus — Dun & Bradstreet, Equifax and Experian. A fourth credit bureau, FICO® Small Business Scoring Service (SBSS), specializes in small businesses. With your business credit report, you’ll be able to easily check and monitor your business credit score, background information, risk factors, banking, trade and collection history, liens and bankruptcies, and more. Unlike your personal credit report, you may be charged a fee to access your business credit report.
As mentioned above, some credit card companies will report your business credit card information to the consumer credit bureaus as well, meaning it’s still important to check your personal credit report once a year (or more often) as a small business owner. With both reports, you’ll want to check for any discrepancies and, if found, take steps to dispute them.
How to use a business credit card to manage cash flow
Managing cash flow is crucial to the longevity of your business, big or small. Whether you sit at the head of a large corporation or freelance, it pays to keep track of your cash flow. A business credit card can help, and we’ve put together a handy list of real-life examples that illustrate the impact the right business credit card can have.
Real life example #1
Sometimes a self-employed freelancer will find themselves in that awkward interval waiting to receive payments from various clients. During this period, everyday expenses on office supplies, internet service, and more can pile up. Normally, this freelancer might be out of luck until those payments arrive. However, with a business credit card, those necessary business purchases could be charged temporarily and then paid off once client payments trickle in.
Real life example #2
An owner of a small business (10-12 employees) wraps up a huge project for a client, but payment is forthcoming. Payroll sends an email saying that there are not enough funds in the current budget to maintain business operations and pay the employees. With a business card, all the day-to-day business expenses could be temporarily charged, while freeing up funds to pay the employees on time. And after the client’s payment is received, the company owner could pay off the balance before it accrues interest.
Real life example #3
The CEO of a large business has determined that a purchase of $50,000 worth of equipment is necessary. However, he wants to be able to pay this off over several months without taking out a large loan. In lieu of a loan, the business could utilize a high-limit business credit card. Many cards offer 0% intro APR on purchases, which would function like an interest-free loan if paid in full before the end of the intro period. Plus, the business could earn cash back through the card’s rewards program!
Are business credit cards really worth it?
That all depends on the size of your business and your professional spending habits. Feasibly, there’s enough variety in business credit cards and the perks offered to warrant a card for enterprises of all sizes and types. We’ve profiled a several business credit cards that would be worth getting for businesses both large and small.
If your business makes a lot of purchases, it might be worth getting a business credit card so you can earn some rewards on those expenses. As we have covered, with The Business Platinum® Card from American Express, it’s easy to turn your everyday spending into rewards redeemed for free travel. Since a lot of successful business requires the occasional trip, it would certainly be worth looking into a business credit card that pays for your travels while you pay for your professional costs.
The following list outlines a few other reasons why business credit cards are worth it:
They can make recordkeeping much easier come tax season
They help build business credit, which can impact your business insurance
Some offer business-specific perks like deals on advertising
The bottom line
As a business owner, you could be making a sound investment by choosing one of the best business credit cards on our list. The rewards you could earn on business-related charges can more than make up for any annual fee. Additionally, having a business credit card helps you to draw a line between personal and professional when it comes to expenses and tax returns. If one of these cards sounds right for your business, apply online today to start earning valuable rewards!
Research the 25 best business credit cards
We’ve put together an objective comparison of business credit cards to help you find the right one. This analysis includes annual fees, foreign transaction fees, rewards, signup bonuses, perks, and other characteristics you might find of interest.
Take a moment to sort, filter, or search for what matters most to you in a business credit card.
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For rates and fees of the SimplyCash® Plus Business Credit Card from American Express, please click here. For rates and fees of The Business Platinum® Card from American Express, please click here.
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