Best Business Credit Cards

Best Business Credit Cards

One of the best small business credit cards can be very rewarding with bonuses around $1, 000. But picking the ideal business charge card could be confusing since there is an ocean of small business credit cards for travel to select from. If have the ear of a small business you would want to separate your company spending from the personal charge card spending, and you can generate massive rewards through maximizing different small business charge card spending categories. 

Here is possibilities of the very best small business credit cards for 2018 : 

1. Best Overall (80, 000 point bonus ) : Chase Ink Business Preferred 
2. Best No Annual Fee Business Credit Card : Chase Ink Cash 
3. Best Cashback Rewards Card : Capital One Spark Cash 
4. Best for Business Travel Card : Business Platinum Card from American Express 
5. Best for Hotel Rewards : Starwood Preferred Guest Business Credit Card 

Why You Need It : 25% Travel Redemption Bonus, Earn 3x points for travel and business purchases

Sign-Up Bonus Value : $1, 000+ 

Annual Fee : $95 (waived for the very first year ) 

The Ink Business Preferred has a fantastic 80, 000 point sign-up bonus that is worth $800 in cash / statement credits, $1, 000 in travel redeemed through Chase's Travel Portal, or possibly much more in case you transfer your points for an Ultimate Rewards travel partner like United Airlines or Hyatt hotels. 

Using the Ink Preferred, you like a similar travel benefits from the personal Chase Sapphire Preferred that allows you to redeem points for 1. 25 cents each through Chase or transferring on the 1 : 1 basis for an Ultimate Rewards travel partner. Along with the flexible travel benefits, you will benefit from the following purchase rewards : 

Earn 3 points per $1 on the very first $150, 000 in combined spending (then 1 point ) on these categories : 

• Travel 
• Shipping purchases 
• Internet, cable, and phone services 
• Social media and internet search results advertising 
• Earn 1 point per $1 on several other purchase categories 
• In case you travel and run a web marketing business that needs one to run digital marketing campaigns or perhaps shipping products to clients, you are able to seriously rack in the purchase rewards. And also the Ink Preferred business charge card is a superb compliment to my personal favorite personal charge card the Sapphire Preferred. 

What is awesome about each Ultimate Rewards point you earn is valued at some cent when redeemed for cash statement credits or gift cards. You‘ll get a 25% redemption bonus that will make each point worth 1. 25 cents each. Or, transferring them to be able to your favorite airline or hotel loyalty program can easily get them to worth 1. 5 cents or even more. When most charge card points possess a maximum worth of 1 cent each for just about any reward, Chase Ultimate Rewards points are a good return on investment. 

Best No Annual Fee Business Card : Chase Ink Cash 

Why You Need It : Tiered 5-2-1 Purchase Rewards, Earns Chase Ultimate Rewards Points 

Sign-Up Bonus Value : $300 

Annual Fee : $0 

The Ink Business Cash is a superb no annual fee business charge card because it comes having a bonus of $300 after spending $3, 000 to begin with 3 months. 

Since you won‘t pay an annual fee and can also still earn rewards points on most everyday business purchases, the Chase Ink Cash is among the best-tiered cashback small business rewards credit cards. 

You‘ll earn bonus points for an additional purchases : 

• 5 points per $1 on the very first $25, 000 spent at : 
• Office Supply Stores 
• Internet, Phone, and Cable Services 
• 2 points per $1 on the very first $25, 000 spent at : 
• Gas Stations 
• Restaurants 
• 1 point per $1 on several remaining purchases 

Your Ink Cash points will certainly be worth 1 cent each (10, 000 points=$100 ) for many travel, cash statement credit, and gift card rewards. In case you own a Chase Sapphire Preferred or Ink Preferred, your points could be worth 1. 25 cents each for award travel or transferred to some 1 : 1 Chase travel partner. Since you are able to combine your Ink Cash points along with your Ink Preferred or personal Sapphire Preferred Ultimate Rewards account. 

There is also a 12-month 0% intro APR period for balance transfers and new purchases also. Just be sure to manage your credit wisely and never overspend. Also, ensure you satisfy the minimum spending requirement therefore you get the $300 check in bonus. The Chase Ink Cash card is definitely an enticing no annual fee business card that will help to bring your company to another level. 

Capital One Spark Cash 

Why You Need It : Unlimited 2% Cashback on Every Purchase 

Sign-Up Bonus Value : $500 

Annual Fee : $95 ($0 the very first year ) 

Only a few credit cards, personal or business, offer unlimited, flat-rate 2% cash rewards. The Captial One Spark Cash for Business is among the few cards that. You‘ll need to invest greater than $4, 750 a year upon the Spark Cash to earn enough cash rewards to offset the $95 annual fee. If the is not possible, the no-annual-fee Spark Cash Select earns unlimited 1. 5% back on every purchase. 

Neither from the Spark Cash cards charges a foreign transaction fee, which may be an enormous benefit also in case you travel internationally. If you favor cash back rewards to banking up charge card points for award travel or any other benefits, this will certainly be the best choice. 

Business Platinum Card from American Express 

Why You Need It : Extensive Air Travel Benefits 

Sign-Up Bonus Value : $750+ 

Annual Fee : $450 

The Business Platinum Card is the best choice in case you spend a great deal of time flying because business charge card is loaded with many travel perks. You‘ll enjoy all the same perks (minus the $200 Uber credits ) like the personal Amex Platinum, but, your annual fee is likewise $100 less ($450 rather than $550 ). The purchase rewards from the Business Platinum will also be just a little different also. 

Let us first review all of the ways you‘ll earn Amex Membership Rewards points using the Business Platinum Card : 

5 points per $1 for many travel booked on AmexTravel. com 

1. 5 points per $1 for purchases $5, 000 or even more (as much as 1, 000, 000 bonus points annually) 

1 point per $1 on several remaining card purchases 

Your points count 1. 35 cents each when redeemed for air travel through Amex Travel, or, you are able to transfer them to be able to perhaps one of the Amex Membership Rewards travel partners where they could easily be worth more. 

The actual reason you could be checking Business Platinum Card is to its complimentary travel benefits : 

• Free admittance to over 1, 000 airport lounges 
• Annual $200 air travel credit 
• Gogo (10 free in-flight passes ) and Unlimited Boingo Internet access 
• Upgraded Hilton Honors and Starwood Preferred Guest Gold status 
• Global Entry / TSA Precheck application fee reimbursement 
• These additional benefits cause it to be extremely easy to pay out the $450 annual in case you travel regularly. 

Starwood Preferred Guest Business Credit Card 

Why You Need It : Valuable Hotel Rewards Points and Multiple 1 : 1 Air Travel Partners 

Sign-Up Bonus Value : 11 Free Hotel nights (25, 000 Starpoints ) 

Annual Fee : $95 ($0 to the First Year ) 

The Starwood Preferred Guest Business Card is among the most valuable hotel rewards business credit cards and is almost identical towards the personal Amex SPG except the Business SPG provides you free admittance to the Sheraton Club Lounges with every Starwood stay. 

Here is why you have to consider by using the Amex SPG for the hotel stays : 

• Reward nights start at 2, 000 Starpoints (really low for high-quality rooms ! ) 
• Earn as much as 5 Starpoints on Starwood stays 
• Earn as much as 2 Starpoints for Marriott Rewards stays (1 point for many remaining purchases ) 
• Unlimited Boingo wi-fi hotspot access 
• Upgraded SPG Gold Status 
• No foreign transaction fees 
• Get a 5, 000 Starpoint bonus whenever you transfer 20, 000 points directly to some travel partner 

While your points will certainly be most valuable for Starwood stays, the Amex SPG also doubles being an airline rewards card because you are able to transfer your points on the 1 : 1 basis to most of the largest airlines for domestic and international flights. This could possibly be the only real business travel card you have to own in case you enjoy staying at Starwood properties. 

Summary on Best Small Business Credit Cards for Travel 

The very best small business credit cards cause it to be simple to earn bonus points upon the purchases you earn most. These same business credit cards also make each point extremely valuable and straightforward to redeem for award travel or cash statement credits. By choosing one of these simple business rewards credit cards, you may be confident which you will use the very best card for just about any business purchase you earn.

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