Best Small Business Credit Cards of 2018
As an entrepreneur, you value every dollar you make. These cards make those dollars go farther.
Here are the best small business credit cards:
Best for flat-rate rewards
Best for 0% APR period
Best for airport lounge access
Best for fair credit
Flat-rate rewards cards are a bit like khakis: a little boring, but they go with everything. When you pair this 2% cash-back card with a tiered rewards card, you’ll always earn more than the “1% back on everything else” that most cards promise. If you’re a one-credit-card type of entrepreneur, a flat-rate card like this will likely offer better long-term value than a tiered rewards card.
0% APR period
Credit cards with 0% APR periods are always crowd-pleasers, but for small businesses, they’re especially valuable. If you need to make a major inventory purchase, this $0-annual-fee card lets you float that debt interest-free for a while while earning great cash-back rewards. Also nice: You can get additional cards for employees at no cost and set spending limits on those cards.
Airport lounge access
on American Express's secure website
Business travelers know there’s nothing quite like getting a free meal, a quiet place to rest and maybe even a shower at an airport lounge during a long layover. The Business Platinum® Card from American Express OPEN provides access to more than 1,000 of these exclusive clubs worldwide, including Centurion lounges, Delta Sky Clubs, Airspace Lounges and Priority Pass Select lounges. You’ll also get a $200 credit for airline incidentals, such as checked baggage fees.
As long as you pay your balance in full every month, this card is a whole lot cheaper than many of the high-interest loans and other short-term financing offers marketed to entrepreneurs with fair credit. You earn cash-back rewards on your spending, too. With on-time payments, you can work toward strengthening your personal credit and business credit.
NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
Last update Jan. 1, 2018.
To recap our selections...
NerdWallet's Best Small Business Credit Cards of 2018
- Capital One® Spark® Cash for Business: Best for flat-rate rewards
- Ink Business Cash℠ Credit Card: Best for 0% apr period
- The Business Platinum® Card from American Express OPEN: Best for airport lounge access
- Capital One® Spark® Classic for Business: Best for fair credit