From cups and coffee to staplers and sticky notes, running a business requires a lot of supplies — and expenses. One of the best ways to manage your daily expenditures is by using a business credit card for your purchases. Not only does a business card ensure you won’t be dependent on having cash on hand to make important purchases (which can be a problem when you’re waiting for invoices to get paid), but online issuer portals and mobile apps can be a good way to keep track of your spending.
As with personal credit cards, one of the best parts of a great business credit card is the rewards. Whether you want cash back, airline miles, or flexible rewards points, you can likely find a business card to suit you — and your business.
The following list takes you through the best 10 small business credit card options:
- Capital One Spark® Cash for Business
If you want low fees and great rewards, this card is the best. This card awards you a flat 2% cash back across categories, so it’s great if you’re never sure from year to year which category you’ll use the most.
- Capital One Spark®Miles for Business
Capital One Spark Miles Select for Business is a no-frills business credit card with a solid rewards program, nice sign-up bonus, and minimal fees. You can use it for travel-related purchases, alike airfare, hotels, and car rentals, either purchased directly through Capital One or via statement credit. Miles are always worth $0.01 apiece upon redemption.
- Chase Ink Business CashCredit Card
Ink Business CashSM is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR. When you spend at least $3k within three months of membership, you get $300 bonus cash back. After reaching the $25k cap, you earn unlimited 1% cash back on these spending categories.
- SimplyCash® Plus Business Credit Card
The card offers you 5% cash back at U.S. office supply stores and on wireless services purchased directly from U.S. service providers; 3% cash back on the category of your own choice from a list of selected categories and 1% cash back on other purchases. Cash back earned is automatically credited to your account.
- The Blue for Business®Credit Card
The card is very popular business card with a nice rewards program, amazing sign-up bonus, and impressive annual loyalty bonus. Every year you’re a cardholder in good standing, you get a 30% bonus on points earned during that year – so if you end the year with 10,000 points, you get a 3,000-point bonus.
- Capital One® Spark® Cash Select for Business
Earning unlimited 1.5% cash back means thousands of dollars each year going back into your business capital .Plus, a one-time $200 cash bonus once you spend $3k on purchases within 3 months of approval. Get online Quarterly and Year-End Summaries.
- Business Green Rewards Card
You can Earn 5k Membership Rewards points after your first purchase on the Card.You can also earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website. You will be eligible to earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Gold Delta SkyMiles® Business Credit Card
You can earn 30k bonus miles after you make $1k in purchases on your new Card within your first 3 months. You can also earn a $50 credit after you make a purchase with your new Card within your first 3 months, also earn 2 Miles per dollar spent on purchases made directly with Delta.
- The Business Gold Rewards Card
The Welcome Offer states that you can earn 50k Membership Rewards points after you spend $5k in purchases on the Card within your first 3 months of Membership. Get 3x points, Plus, 2X points on the 4 remaining categories and 1X points on other purchases.
- Ink Business Preferred℠Credit Card
You can earn 80k bonus points after you spend $5k on purchases in the first 3 months from account opening. That’s $1k toward travel when you redeem through Chase Ultimate Rewards. Also earn 3 points per $1 on the first $150k spent in select categories each account anniversary year.
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