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

The Ink Cash® Business Credit Card 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. There’s also No Annual Fee. Here’s the breakdown of the Ink Cash® Business Credit Card’s rewards program:

  • 5 points per $1 you spend on office supply stores and phone, Internet and cable TV services, up to $25,000 spent annually
  • 2 points per $1 you spend on gas and dining, also up to $25,000
  • An unlimited 1 point per $1 elsewhere

The Ink Cash® Business Credit Card has a signup bonus that is a bit smaller than the Ink Plus® Business Credit Card: 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 (see below). But for a smaller business with fewer expenses, it has some key perks. Not only does it have No Annual Fee, it also has a 0% Intro APR for 12 months on purchases and balance transfers, and then the ongoing APR of 13.24% (Variable). 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.

Chase  Ink Cash Business Credit Card

Ink Cash® Business Credit Card

Apply Now on Chase 's secure website

Pros

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

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% Intro APR for 12 months on purchases and balance transfers

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
  • 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

Best rewards and features business credit card: Ink Plus® Business Credit Card

The Ink Plus® Business Credit Card 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 Ink Plus® Business Credit Card a better travel card than most airline credit cards. Lest you think the Ink Plus® Business Credit Card 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 $50,000 spent annually
  • 2 points per $1 you spend on gas and hotel stays, also up to $50,000
  • An unlimited 1 point per $1 elsewhere

But wait, there’s more! The Ink Plus® Business Credit Card has no foreign transaction fees — 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. It has a $0 intro annual fee for the first year, then $95, so the card’s best for higher-spending companies.

Chase Ink Plus with Ultimate Rewards Credit Card

Ink Plus® Business Credit Card

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

$0 intro annual fee for the first year, then $95

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 purchases-with 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

  • Jess Press

    Hey there I have a small business and would only be spending $1000 a month so the chase ink card doesn’t apply to me. but would like to accrue miiles… what card would you reccomend? I’m not sure where I want to go yet so not sure what airline I would be using just want a card I can transfer the miles to various airlines. Thanks!

    • DonThayer

      You can use the reward calculator at CreditCardTuneUp. com to find which cards will pay you more in reward value for your business expenses.

      You might want to consider the Starwood Preferred Guest Business Credit Card from American Express since the Starpoints it earns can be transferred to most airlines. It’s included in that reward calculator.

    • DonThayer

      You might consider the Starwood Preferred Guest business card from Amex since the Starpoints earned with it are transferrable to most airlines.

      You can also use the reward calculator at CreditCardTuneUp. com to see which cards will pay you more in reward value for your business expenses.

      • Jess Press

        Ok I’ll look into it, thanks!

  • bee you

    Hello, Im looking for Business credit card with
    1.A credit line of at least 3k a month
    2. That it does not affect my personal credit score ( since I don’t have much credit history)
    -At the moment I have a good credit score, around the 700’s Last time i checked / I have one successful online business and I am looking to open a second venture and use this credit card solely for that business. Any suggestions please!!!

    • TonyGray

      The best business reward card for you will depend a lot on the particulars of your business’ expenses.

      You can use the reward calculator at CredítCardTuneUp. com to see which business cards will pay you more in reward value for your business’ spending.

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  • AlpineNJ

    Please advise on best cash back card for business (excellent credit) with $10k billing a month on average

    No points no gimmicks- just plain cash back ?

    Thanks

    • Berneigh

      Amex SimplyCash is a pretty solid one.

  • Nadia

    I’m looking to get two credit cards for my transportation small business. We spend approximately $64K on EZPASS annually and $48K-$50K on gas annually. I’m thinking of doing one card with great cash back and one with great rewards (especially travel, because I’m a big traveler—not for business, but pleasure).

    Can anyone recommend some cash back + travel rewards cards for these annual spending? I do like Chase’s Ultimate Rewards — but want the most bang for my buck. I’m leaning towards the following: BOFA Business (WorldPoints), AMEX Blue Cash Preferred, Chase Sapphire or Barclay Arrival Plus (both consumer cards), Capital One Spark.

    Any feedback/recommendations would be much appreciated…

    • TomAtkinson

      You can use the reward calculator at CreditCardTuneUp. com to see which combinations of cards will pay you more in reward value for your business expenses.

      One good pairing would be the Discover it Miles card (which nets you 3% cash back on everything in the first year) plus one of the credit union cards that earns 5% cash back on gas.

  • Henry

    AA has award seats to London for 40k miles in coach, 100k in biz. Great availability too. I’d recommend either the Amex SPG which converts into AAdvantage miles but takes some time or the CitiBusiness AAdvantage card.