There are many kinds of business credit card options. There are cash back cards, miles cards, gift cards, and more. Some cards offer sign up bonuses and other perks. Some cards provide extended warranties, as well as travel accident insurance. Some even give early access to tickets. It all depends upon your business's needs and what you are looking for.
Capital One Spark Plus
Capital One Spark Plus might be the best choice if you're in search of a business credit line. This credit card has a $150 annual fee and flexible credit limits. It also comes with no category restrictions, making it great for business expenses. There are some things you need to know before applying.
When considering a credit card for business use, you should think about the annual fee and any late fees. Also, consider the early spend bonus. If you spend a lot on one purchase, this bonus can prove to be very valuable for your company. You'll also have the convenience of being able to keep track of your purchases and set individual spending limits. You'll also get unlimited 2% cashback, which is great news for businesses with multiple employees.
Capital One Ink Business Unlimited
Ink Business Unlimited credit card offers flat 1.5% cash back on all purchases. There's no annual fee. This makes it an attractive choice for business owners who need a simple rewards program. Ink Business Unlimited cards have a low annual cost and allow you to add authorized users. Cardholders are responsible for any purchases made with the card.
Ink Business Unlimited offers a great business credit card option to entrepreneurs who don't want to pay an annual fee or receive large sign-up bonuses. You get a 0% APR for purchases, as well as a generous rewards program. The card has a low foreign transaction charge, which can be an asset for small businesses.
American Express Blue Business Money
The American Express Blue Business Cash business credit card comes with a low annual fee and a 2% cash back rate on eligible purchases. When you make a purchase using the card, cash is automatically credited to your account. You will lose 1% of your cash back rate if you spend more that $50,000 per year. For moderate spenders, however, this card remains a great option.
Blue Business Cash Business Credit Card is a great option for those who want to earn cashback on all their purchases. The card offers 2% cashback on every purchase, plus an additional bonus of 5% cashback on Capital One Travel purchases. You can also get a $1,000 cash bonus based on certain spending levels.
Bank of America Business Advantage World Mastercard Travel Rewards
Bank of America Business Advantage World Mastercard offers excellent travel rewards. You can get flexible rewards with no annual fee. You earn 1.5 points per dollar for purchases and three points when you make travel purchases. It also offers a bonus of 30,000 points after spending $3,000 in the first 90 days of account opening.
This card is best suited for those with good to excellent credit. A minimum FICO (or VantageScore) of 670 is required to qualify. It is important to remember that not everyone can apply for the card. If you have outstanding credit and are looking to get a small-business credit card with no annual fee, another bank may be able to help you.