Our customers often ask us for our recommendations for the best business credit cards. The answer to that question honestly depends on what you’re looking for and what your credit score looks like. There are other considerations, too – do you plan to travel a lot? What kinds of rewards are most attractive to you? Here are some of the best business credit cards to consider.
…Want Ultimate Flexibility in Choosing Your Rewards:
The American Express SimplyCash Plus card gives you a whole lot of control over your reward categories so you can customize them based on how you spend. In addition to 5% cash back on up to $50,000 that you spend at office supply stores and on cell phone service, you can choose 3% cash back on all purchases in one of eight different categories.
…Want Great Cash Back Benefits:
The Capital One Spark Cash card lets you earn a flat 2% cash back across all of your purchases. There are no tiers or categories with this card, but you’ll never have to wonder which card to use for which purchase. There’s no limit to the cash back you can earn, setting this card apart from other cards that cut you off after a while.
…Want a Big Bonus Just for Signing Up:
Looking for a quick rewards or cash boost just for opening a new card? Try the Chase Ink Business Preferred or Ink Business Cash cards. The Preferred card gives you a whopping $80,000 points when you spend $5,000 or more during your first three months while the Cash card gives you $500 cash back once you spend $3,000. The reward structure after sign-up isn’t too shabby either – the Preferred card has some great travel perks while the Cash card offers excellent rewards on office supply and phone and internet purchases.
…Love to Travel:
If you’ve got the travel bug, you’ll want the Capital One Spark Miles, the Bank of America Business Advantage Travel Rewards World Mastercard, or the American Express Open Business Platinum card. The Spark Miles card gives you 2 miles per $1 spent on all purchases (and your miles never expire) while the Advantage Travel Rewards card boasts some pretty impressive perks for a card with no annual fee. The Platinum card gives you access to a variety of airport clubs and lounges, so if you have a lot of long layovers it might be a good match for you.
…Want 0% APR (for a While, at Least):
If you want some time before you have to worry about running up a large balance, the American Express Blue Business Plus card gives you a full 15 months at 0% APR. Common business expenses like office supplies and client meals earn two points per dollar spent, so even after the 15 months are up this card continues to be a great choice.
…Don’t Have the Greatest Credit Score:
Most of the cards we’ve recommended so far require a pretty decent credit score for approval (690 and above). If that’s not you, don’t fret. The Capital One Spark Classic is a great choice for business owners who may not have all-star credit. If you stay disciplined and pay off your balance every month, this card offers respectable rewards without the high interest rates and other fees associated with similar cards.
Choosing the Right Credit Card Processor
No matter what you decide are ultimately the best business credit cards for you, it’s important to find a credit card processor who puts your interest above their own. At 360 Payments, we pride ourselves on being a true partner to our customers – not just another vendor they pay every month. Give us a call at 1-855-360-0360 or drop us a line on our website. We’d love to show you why we’re different.
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