As a business owner, managing expenses efficiently is essential to maintaining cash flow and ensuring the growth of your enterprise. One of the best tools at your disposal is a business credit card, which can help streamline your finances, provide valuable rewards, and offer protection for your business. Whether you’re looking for cards with great rewards, cash-back benefits, or low interest rates, there are plenty of options to choose from. In this guide, we’ll explore the top 10 credit cards for business owners and help you find the one that suits your needs.
1. Chase Ink Business Preferred® Credit Card
The Chase Ink Business Preferred® Credit Card is one of the most popular and highly-rated business credit cards on the market. It offers a generous sign-up bonus and excellent rewards for business owners in multiple categories.
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Key Features:
- Sign-up Bonus: 100,000 points after spending $15,000 in the first 3 months.
- Rewards: 3x points on the first $150,000 spent in combined categories (travel, shipping, internet, cable, and phone services, advertising).
- Annual Fee: $95
- APR: 20.24% – 25.24% variable.
Why It’s Great for Business Owners:
- High rewards on key business expenses.
- Large sign-up bonus with a manageable spending requirement.
- Points can be transferred to travel partners, offering excellent redemption opportunities.
2. American Express® Business Gold Card
The American Express® Business Gold Card is an excellent choice for business owners who want flexible reward points and the ability to earn high rates in specific categories where they spend the most.
Key Features:
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- Sign-up Bonus: 70,000 Membership Rewards points after spending $10,000 in the first 3 months.
- Rewards: 4x points on the 2 categories where you spend the most each month (up to $150,000 in purchases per year).
- Annual Fee: $295
- APR: 18.24% – 26.24% variable.
Why It’s Great for Business Owners:
- Flexibility to earn 4x points in categories that matter most to your business.
- No foreign transaction fees.
- Membership Rewards points can be transferred to travel partners or used for statement credits.
3. Ink Business Cash® Credit Card
For business owners who prefer a no-annual-fee card with solid cash-back rewards, the Ink Business Cash® Credit Card is a fantastic option. It offers great rewards in everyday spending categories.
Key Features:
- Sign-up Bonus: $750 after spending $7,500 in the first 3 months.
- Rewards: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services; 2% cash back on the first $25,000 spent at gas stations and restaurants; 1% on all other purchases.
- Annual Fee: $0
- APR: 20.24% – 25.24% variable.
Why It’s Great for Business Owners:
- No annual fee.
- Excellent rewards for office-related expenses and essential services.
- Great for businesses with consistent spending in the 5% and 2% categories.
4. Capital One Spark Cash for Business
The Capital One Spark Cash for Business card is a great choice for business owners looking for simplicity and solid cash-back rewards with no categories to track.
Key Features:
- Sign-up Bonus: $500 after spending $4,500 in the first 3 months.
- Rewards: 2% cash back on every purchase, with no limits.
- Annual Fee: $95 (waived for the first year).
- APR: 21.99% variable.
Why It’s Great for Business Owners:
- Straightforward 2% cash back on every purchase.
- No categories to worry about, making it ideal for businesses with varied spending.
- Year 1 annual fee is waived.
5. The Blue Business® Plus Credit Card from American Express
For business owners looking to earn solid rewards with no annual fee, the Blue Business® Plus Credit Card from American Express is an ideal choice. It offers 2x points on all purchases up to $50,000 per year.
Key Features:
- Sign-up Bonus: 15,000 Membership Rewards points after spending $3,000 in the first 3 months.
- Rewards: 2x points on the first $50,000 spent each year, then 1x points on all other purchases.
- Annual Fee: $0
- APR: 18.24% – 26.24% variable.
Why It’s Great for Business Owners:
- 2x points on all purchases up to $50,000.
- No annual fee.
- Flexible points that can be used for travel or statement credits.
6. Brex 30 Card
The Brex 30 Card is a unique option for startups and businesses with venture capital backing or established companies. It’s a charge card, so you won’t carry a balance month to month, which can help streamline your financial management.
Key Features:
- Sign-up Bonus: Varies based on promotions.
- Rewards: 1x to 8x points on specific categories (like 8x on travel, 3x on technology, 2x on dining).
- Annual Fee: $0
- APR: No APR (charge card, must be paid off each month).
Why It’s Great for Business Owners:
- High rewards in specific categories.
- No personal guarantee required.
- Tailored to startups and businesses with high spending in certain categories.
7. Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is an excellent card for businesses looking for an introductory 0% APR period, making it ideal for managing cash flow while earning rewards.
Key Features:
- Sign-up Bonus: $500 after spending $3,000 in the first 3 months.
- Rewards: 1.5% cash back on all purchases.
- Annual Fee: $0
- APR: 0% for the first 9 months (then 16.49% – 24.99% variable).
Why It’s Great for Business Owners:
- 0% introductory APR for 9 months helps manage big purchases without interest.
- Simple 1.5% cash back on all purchases.
- No annual fee.
8. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
For businesses that often travel, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers excellent benefits on American Airlines purchases and travel-related expenses.
Key Features:
- Sign-up Bonus: 70,000 miles after spending $4,000 in the first 3 months.
- Rewards: 2x miles on American Airlines purchases and 1x miles on all other purchases.
- Annual Fee: $99 (waived for the first year).
- APR: 18.49% – 27.49% variable.
Why It’s Great for Business Owners:
- Excellent travel rewards with a focus on American Airlines.
- 1st year annual fee waived.
- Great for businesses with frequent air travel needs.
9. Amazon Business Prime American Express Card
If your business frequently purchases from Amazon, the Amazon Business Prime American Express Card can earn significant rewards on your Amazon and office supply purchases.
Key Features:
- Sign-up Bonus: $125 Amazon gift card after spending $2,000 in the first 3 months.
- Rewards: 5% cash back on Amazon.com and Whole Foods Market purchases (with Prime membership), 2% at restaurants, gas stations, and office supply stores, 1% on other purchases.
- Annual Fee: $0 (with Amazon Prime).
- APR: 18.24% – 26.24% variable.
Why It’s Great for Business Owners:
- Big rewards for Amazon and office supply purchases.
- Flexible cashback rewards.
- Ideal for businesses that make frequent Amazon purchases.
10. U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum Card is an excellent choice for business owners who want low APR on purchases and a strong introductory offer to help manage cash flow.
Key Features:
- Sign-up Bonus: Varies.
- Rewards: 1.5% cash back on all purchases.
- Annual Fee: $0
- APR: 0% for the first 12 billing cycles (then 14.24% – 24.24% variable).
Why It’s Great for Business Owners:
- Long 0% APR period helps businesses make larger purchases without paying interest upfront.
- Straightforward 1.5% cash back on all purchases.
- No annual fee.
Final Thoughts
Choosing the right business credit card can significantly improve your financial management, reward your spending, and offer valuable perks. Whether you’re focused on earning points for travel, maximizing cash back, or securing low-interest financing, these top 10 credit cards for business owners cover a range of needs and preferences.
Before applying, consider your business’s spending habits, financial goals, and how often you travel or purchase office supplies. By selecting the right card, you can enjoy perks that make managing your business’s finances easier and more rewarding.
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