Best Small Business Credit Cards of 2019 The Points Guy from thepointsguy.com

Best Small Business Credit Cards of 2023

Why Do You Need a Small Business Credit Card?

Small business owners should consider getting a credit card because it can help to keep business expenses separate from personal expenses. It also makes it easier to track spending and budget, and it can help build business credit. Additionally, many small business credit cards offer rewards such as cash back, points, and discounts.

What to Look for When Choosing a Small Business Credit Card?

When choosing the best small business credit card, it is important to consider your business's spending habits and needs. Some of the factors to consider include:

Annual fee - Some credit cards have an annual fee, so it is important to consider how much you will be spending on your card each year.
Interest rate - The interest rate is important to consider since it will determine how much money you are paying each month on your balance.
Rewards - Many credit cards offer rewards such as cash back, points, and discounts. It is important to consider which rewards you will use the most and which cards offer the best rewards.

The 5 Best Small Business Credit Cards of 2023

1. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is a great choice for small business owners who want to earn rewards and build their business credit. This card offers 3 points per dollar spent on the first $150,000 spent in combined purchases in travel, shipping, internet, cable, phone, and advertising purchases each account anniversary year. Additionally, this card has an introductory 0% APR for the first 12 months and no annual fee.

2. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is an excellent option for small business owners who want to earn cash back rewards. This card offers 2% cash back on the first $50,000 spent in purchases each calendar year. Additionally, this card has no annual fee and a 0% introductory APR for the first 12 months.

3. Capital One Spark Cash for Business

The Capital One Spark Cash for Business is another great option for small business owners who are looking for cash back rewards. This card offers 2% cash back on all purchases, as well as a sign-up bonus of $500 when you spend $4,500 within the first 3 months of opening your account. Additionally, this card has no annual fee and a 0% introductory APR for the first 12 months.

4. Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card is an excellent choice for small business owners who want to earn rewards. This card offers 1.5% cash back on all purchases, as well as a sign-up bonus of $500 when you spend $3,000 within the first 3 months of opening your account. Additionally, this card has no annual fee and a 0% introductory APR for the first 12 months.

5. Capital One Spark Miles for Business

The Capital One Spark Miles for Business is a great choice for small business owners who want to earn travel rewards. This card offers 2 miles per dollar spent on all purchases, as well as a sign-up bonus of 50,000 miles when you spend $4,500 within the first 3 months of opening your account. Additionally, this card has no annual fee and a 0% introductory APR for the first 12 months.

Conclusion

The best small business credit card for you will depend on your business's spending habits and needs. However, all of the cards mentioned in this article are excellent choices for small business owners who are looking for rewards and/or to build their business credit.