Top Credit Card Options for Small Business Owners
Discover the best credit card options for small businesses, featuring cashback, rewards, and low fees. These options help manage expenses and build credit efficiently, making them ideal for entrepreneurs seeking financial flexibility and cost savings.
Top Credit Cards for Small Business Owners
If you own a small business, it’s advisable to avoid using your personal credit card for business expenses.
Using a personal card for business payments can cause issues with budgeting and managing personal versus professional finances.
Business credit cards offer benefits like cashback, reward points, bonuses, and discounts, which help reduce operational costs. They also provide financial flexibility with revolving credit lines.
Furthermore, using a business credit card helps build a strong credit profile. To assist you in choosing the best options, here are five top business credit cards tailored for small enterprises.
Capital One Spark® Cash Business Card
This card offers a flat 2% cashback on all purchases without limit. It also has no foreign transaction fees, making it ideal for international business operations.
Many users prefer their cashback rewards over points.
Chase Ink Business Preferred℠ Credit Card
This card welcomes new users with up to 80,000 points after spending $5,000 in the first three months. Points can be redeemed for $1,000 in travel, or transferred to airline and hotel loyalty programs through Chase Ultimate Rewards.
Chase Ink Business Cash℠
Sign-up bonuses of $500 are available after $3,000 spent in three months. Notably, this card has no annual fee.
American Express SimplyCash® Plus Business Card
Cashback earned can be reinvested into your business. It offers 5% cashback on office supplies and phone services within the U.S., after reaching $50,000 in purchases annually.
Capital One Spark® Classic
An affordable option, requiring responsible credit management and timely payments to maximize benefits.
