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It’s So Divine it’s Almost Sinful: The Best Small Business Rewards Credit Card

Published By Janet Gershen-Siegel at December 26th, 2018

Splendid! The Best Small Business Rewards Credit Card Can Be Yours

Are you looking to get the best small business rewards credit card? Our secret ninjas did the research for you. So here are our favorites.

According to the SBA, company credit card limits are a whopping 10 – 100 times those of personal cards!

This shows you can get a lot more cash with small business credit. And it also means you can have personal charge cards at shops. So you would now have an alternate card at the same stores for your small business.

And you won’t need to have collateral, cash flow, or financial information to get company credit.

Credit Card Perks

Perks vary. So make sure to select the reward you prefer from this selection of options.

Best Small Business Rewards Credit Card: Unbeatable Cards

Consider the Business Gold Rewards Card from American Express OPEN. So you can get 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card during first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the remaining categories.

Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year. But then afterwards your annual fee increases to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Platinum Card from American Express OPEN

Also, check out the Business Platinum ® Card from American Express OPEN. So you can get as much as 75,000 Membership Rewards points upon account opening.

Also earn 50,000 Membership Rewards points. But this is subsequent to spending $10,000.

In addition, get 25,000 more points. But that is after spending an added $10,000 all on eligible purchases. But this is during first three months.

Additionally you can get five times the Membership Rewards points. So this is on airline flights and prepaid hotels on amextravel.com. But it has a $450 yearly fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

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Best Small Business Rewards Credit Card: Cards for Luxurious Travel Points

RewardsCreditCards 2 - It’s So Divine it’s Almost Sinful: The Best Small Business Rewards Credit Card

For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is during your first three months. Terms and limitations apply.

In addition earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made straight with Delta. Also, earn one mile per qualifying dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also receive Gold Status when you register for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point for every dollar spent on most purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on qualified purchases. But this is up to one million additional points each year. Get five points per dollar. But this is for spending flights and prepaid hotels from the American Express Travel site.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, make sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points. But this is once you spend $5,000 on purchases. And it is in first 3 months from account opening.

Get three points for each dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, get one point per dollar on all of the other purchases. There is no limit to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

Best Small Business Rewards Credit Card: Terrific Cards for Cash Back

Look at the SimplyCash Plus Business Credit Card from American Express. So you can earn as much as $400 cash back. Earn a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to the first $50,000 of yearly spending.

You also get 3% cash back on spending category of your choice. So this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending.

Additionally you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard

Also, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can earn a $200 statement credit. But this is after $500 in purchases . And that is during 60 days of account opening.

You also get 3% cash back on purchases at filling stations and office supply stores. But this is as much as $250,000 per year.

Also, you get 2% cash back on purchases at restaurants. And get 1% cash back on all purchases. Also, there is no annual fee. But it is available to applicants with outstanding credit.

But you can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Spark Cash Select From Capital One

Furthermore, take a look at the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is without any limitations.

New cardholders can also get a $200 cash bonus. But that is once they spend $3,000 on new purchases. So this is within three months of account opening.

New customers also get initial APR of 0% on purchases. But that is for nine months. Also, there is no yearly fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Best Small Business Rewards Credit Card: Credit Cards with 0% APR — Pay Zero!

For a 0% APR time frame, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no annual cost. It’s got an interest-free time period. It has versatile cash-back rewards. There are spending limits for your employees. But you will need to have a credit score of 690 or better.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR time period, we also like the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn double points on daily company expenses up to a yearly limit. But the regular APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

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Secure Corporate Credit Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will need a credit score of 690 or better.

But BEAR IN MIND: the standard APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Reliable Low APR/Balance Transfers Business Credit Cards

For Low APR/Balance Transfers Business Credit Cards, we like the U.S. Bank Business Edge Platinum. So you begin with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer fee.

Thereafter, the purchase APR is a variable 10.49% – 18.49%. And this depends on creditworthiness. There is no yearly fee. But this card is just on offer to people with great or superb credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus from American Express

Also, check out the Blue Business Plus Credit Card from American Express. It has a 15-month introductory 0% APR offer. There is no annual fee.

Right now small businesses can earn double points. But this is on the initial $50,000 in purchases every year.

Get it here: https://creditcard.americanexpress.com/blue/

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Credit Builder Small Business Credit Cards — Make Your Credit Surge!

Check out the Wells Fargo Business Secured Credit Card. It enables cardholders to secure a credit limit of $500 – $25,000. The amount available matches the amount of cash you offer to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the yearly fee is $25. But the more cards you have, the higher your annual fee is going to be.

This card lets small business owners with poor personal credit to get a card to make purchases and develop business credit.

But the card will only report to the personal credit bureaus if you default or are behind on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

The Best Small Business Rewards Credit Card for You

Your best small business rewards credit card will hinge on your credit history and scores.

Only you can determine which rewards you want and need. So make sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make sure to build credit in the established order for the most remarkable, fastest benefits.

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