Top 11 Small Business Credit Cards
Once upon a credit card era, the tantalizing allure of Val Seny ski resort styled bonuses and solid rewards were a rare sight, especially on business cards. But lo and behold, times have shifted. These days, card companies are rolling out the red carpet for business cards, and boy, are they pulling out all the stops.
Why the sudden interest, you wonder? Well, businesses are like treasure troves of spenders, making those cards golden geese for providers. Consumer perks, welcome bonuses, and enticing products are now at our fingertips. The not-so-hidden secret here is that interchange fees are usually higher with business cards than with their personal counterparts.
Small business credit cards aren’t just about racking up points; they’re champions in keeping your personal and business expenses distinct and organized.
The Best Small Business Cards to Apply For
Now, let’s explore some of the top-tier, most rewarding business credit cards. Here’s a handpicked selection just for you:
Capital One Venture X Business
- Why I favor this card: Premium perks packed with lounge access
- Welcome bonus: Score 150,000 bonus miles after spending $30,000 in three months
- Annual fee: $395
- Rewards structure: At least 2x miles on every swipe
This card dishes out a superb return for every dollar you spend. Whether redeeming miles for travel purchases or transferring to trusted airline alliances, every swipe is a rewarding adventure. I personally peg Capital One miles at 1.7 cents a pop, translating to an impressive 3.4% return on daily buys.
With perks galore, such as a $300 annual credit and 10,000 anniversary miles, this card is a keeper.
For more insight into its awesomeness, read the full review of the Venture X Business and apply today.
Sapphire Reserve for BusinessSM
- Why it shines: Combines attractive perks and amazing earning rates
- Welcome bonus: A whopping 200,000 points after a $30,000 spend in six months
- Annual fee: $795
- Rewards structure: Stack up 8x points on Chase Travel, 4x on hotels and flights, and 3x on select ads
It’s sleek, it’s new, and it’s armed with benefits like lounge access galore and heaps of bonus points. I recently got my hands on this gem and am eagerly awaiting the benefits it promises to offer. Curious? Dive into the full story and consider applying for the Sapphire Reserve Business.
Ink Business Preferred® Credit Card
- Why it stands out: Great rewards with a modest annual fee
- Welcome bonus: 90,000 points after spending $8,000 in three months
- Annual fee: $95
- Rewards structure: 3x points on travel, shipping, internet, and advertising (up to $150,000 annually)
In the kingdom of business credit cards, the Ink Preferred takes the crown for its exceptional bonus points and protection perks. This is a card that’s design is to keep your expenses in check and full of rewards. Dive into a comprehensive review and decide if the Ink Business Preferred is your perfect match.
Ink Business Cash® Credit Card
- Why it’s appealing: No annual fee with stellar bonus categories
- Welcome bonus: Earn up to 75,000 points over a specified spend
- Annual fee: $0
- Rewards structure: Maximize with 5x points on office supplies and services, and 2x on gas and dining
The Ink Cash is every small business owners’ dream, offering killer rewards without an annual fee. Rack up those points effective immediately! You won’t want to miss out on exploring this card further.
Ink Business Unlimited® Credit Card
- Why it’s beneficial: Ideal for everyday purchases without spending limits
- Welcome bonus: 75,000 points after reaching the designated spend
- Annual fee: $0
- Rewards structure: 1.5x points on every purchase
For those who find joy in simple yet impactful rewards, this card is a champion in everyday spending. Explore the full review to see why this card is a user-friendly favorite.
Ink Business Premier® Credit Card
- Why it’s stellar: The go-to for large transactions
- Welcome bonus: $1,000 cash back after significant spend milestones
- Annual fee: $195
- Rewards structure: 2.5% cash back on larger purchases, 2% otherwise
If you’re a big spender looking for big rewards, the Ink Premier offers remarkable cash back on substantial transactions. Discover more in the full review.
American Express® Business Gold Card
- Why it’s a contender: A powerhouse in bonus categories
- Welcome bonus: 100,000 points after hitting the spend goal
- Annual fee: $375
- Rewards structure: 4x points on top spending categories each billing cycle
This card is perfect for businesses with varied expenses and a hefty spend in at least two key categories. Get the details in a comprehensive review.
The Business Platinum Card® from American Express
- Why it’s irresistible: Embodies the essence of premium rewards
- Welcome bonus: 150,000 points with a major spending requirement
- Annual fee: $695
- Rewards structure: 1.5x points on substantial purchases
The hefty fee places the Business Platinum card in a class of its own, justified by a lineup of benefits that a frequent traveler can’t resist. Explore if its perks justify the price in our detailed review.
The Blue Business® Plus Credit Card from American Express
- Why it’s a gem: Super returns on spending without an annual fee
- Welcome bonus: 15,000 points after reaching spending milestones
- Annual fee: $0
- Rewards structure: 2x points on the first $50,000 spent annually
If you’re thrilled by maximizing rewards, this card ranks high for everyday spending returns – but keep in mind the spending cap. Uncover more in a full review.
The American Express Blue Business Cash™ Card
- Why it’s noteworthy: No annual fee and offers cash back
- Welcome bonus: $250 credit following eligible spend
- Annual fee: $0
- Rewards structure: Cash back capped at $50,000 annual spend
This card stands out for businesses desiring tangible cash back rewards. You don’t want to miss our in-depth review.
Capital One Spark Cash Plus
- Why it’s unparalleled: Superior in cash back without limits
- Welcome bonus: Substantial bonuses for high spenders
- Annual fee: $150
- Rewards structure: 2% cash back on all purchases, fee refund on set spend
This card is forged for businesses yearning simplicity but craving mighty returns. Discover its offer in the full card analysis.
Other Travel Business Cards to Consider
Beyond the staple cards, certain co-branded travel cards hold immense value depending on your loyalty and travel styles. Here are some honorable mentions:
- Hilton Honors American Express Business Card
- Southwest® Rapid Rewards® Performance Business Credit Card
- The New United℠ Business Card
- Marriott Bonvoy Business® American Express® Card
- World of Hyatt Business Credit Card
- Alaska Airlines Visa® Business card
- IHG One Rewards Premier Business Credit Card
While they might not have made the main list, these cards can offer significant returns for the right traveler.
Are You Eligible for a Business Card?
The admission process for a business card is surprisingly accessible. Even minor side hustles make you eligible. Be honest on the applications, and you might be pleasantly surprised. But remember, transparency pays off
Filling Out Business Card Applications
Before diving in, here’s what you’ll encounter most times:
- Legal name of business
- Business mailing address & phone number
- Type of business
- Tax identification number
- Number of employees
- Annual business revenue/sales
- Years in business
If you’re a sole proprietor, your name is your business, and your address is the business’s, too. Be truthful and straightforward, and you will do just fine!
Bottom Line
In today’s landscape, businesses of all sizes are greeted with a dazzling spread of card offers. With options aplenty, now’s the time to seize the opportunity for perks that fit your needs like a glove.
Your thoughts? What’s your go-to small business credit card?