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NerdWallet’s Best Small Business Credit Cards, 2015

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Best Small Business Credit Cards

Running a small business is never easy. Keeping track of endless details, especially expenses, can be a hassle, so having a great business credit card is essential to the success of a small business. We’ve compiled a list of the best credit cards for your small business in hopes of making your life just a little bit easier.

Whether you’re looking for low-interest rates or to take advantage of your travel expenses, we’re here to help you choose the right card for you and your business.

Best overall business credit card: Ink Plus® Business Credit Card

Our top-ranked business credit card, the Chase Ink Plus starts off with a bang: Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® In other words, that’s worth 25% more when you redeem for travel, making the Plus a better travel card than most airline credit cards. Lest you think the Ink Plus is a mere flash in the pan beyond the signup bonus, you’ll earn:

  • 5 points per $1 you spend on office supply stores and phone, Internet and cable TV services, up to $50k spent annually
  • 2 points per $1 you spend on gas and hotel stays, also up to $50k
  • An unlimited 1 point per $1 elsewhere

But wait, there’s more! The Ink Plus has no foreign transaction fee — business travelers, take note — and free employee cards. It’s also a great airline miles card: You can transfer your points 1:1 to United MileagePlus, Southwest, Hyatt, Marriott and more. There is, a $95 annual fee annual fee, so the card’s best for higher-spending companies.

Example image of Ink Plus® Business Credit Card

Ink Plus® Business Credit Card

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Apply Now on Chase's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee

Sign-up Bonus

Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$95 annual fee

Intro APR Promotions

None

APR

  • APR: 15.24% (Variable)
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 19.24%, Variable

Card Details

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchaseswith no limit to the amount you can earn
  • No foreign transaction fees
  • Global acceptance with Chip Technology
  • Free employee cards
  • $0 intro annual fee for the first year, then $95

Best low interest plus rewards card: Ink Cash® Business Card

The Ink Plus’ no-fee/cash-back cousin, the Chase Ink Cash still earns 5x rewards in bonus categories, but only up to $25,000 a year. On the plus side, it pays out in cash, which is pretty much the easiest kind of rewards program to deal with. Here’s the breakdown of the Cash’s rewards program (changes from the Plus highlighted in bold):

  • 5 points per $1 you spend on office supply stores and phone, Internet and cable TV services, up to $25k spent annually
  • 2 points per $1 you spend on gas and dining, also up to $25k
  • An unlimited 1 point per $1 elsewhere

The Cash’s signup bonus is a bit smaller: Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.. Also, it isn’t eligible for the 25% points bump. But for a smaller business with fewer expenses, it has some key perks. Not only does it have No Annual Fee, it also gives a full 12 months of zero interest on your purchases and transfers — one of the longest periods out there. That, combined with the 5% rewards on office supplies, makes it ideal for businesses outfitting that first corporate office. No fees, no fuss, high rewards.

Example image of Ink Cash® Business Card

Ink Cash® Business Card

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Apply Now on Chase 's secure website

Pros

  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 12 months

Sign-up Bonus

Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee

No Annual Fee

Intro APR Promotions

0% on purchases and balance transfers for 12 months

APR

  • APR: 13.24% (Variable)
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 24.99%, Variable

Card Details

  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee