The best small business credit cards offer a variety of benefits tailored to the needs of your business. But, while there are various types of cards, keep in mind there’s no single best option for all small business.
So, to pick the right one for your small business, it’s important to understand how the best small business credit cards can help your business and what features and qualities to look for.
Small business credit cards can help business owners in five ways:
As you compare the best small business credit cards, consider three things:
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated April 25, 2019 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
Application Process: You can apply online, at a participating U.S. Bank branch, or over the phone.
Rewards: Earn 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back. You can redeem rewards as a MasterCard gift card, direct deposit in an active U.S. Bank account, or as a statement credit.
Bonus Offers: Earn $200 cash back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
Annual Fee: None.
Details:U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard® »Application Process: Apply online, and get a decision in as little as 30 seconds.
Rewards: Earn 2 miles per dollar spent when you use your card for purchases made directly with Delta. Earn 1 mile per dollar spent on all other purchases.
Bonus Offers: Earn 30,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months, and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Annual Fee: $0 for the first year, then $95 after that.
Details:Gold Delta SkyMiles Business Credit Card »Application Process: Apply online, and you'll get a decision in approximately 60 seconds.
Rewards: Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases.
Bonus Offers: None.
Annual Fee: None.
Details:SimplyCash® Plus Business Credit Card from American Express »Application Process: Apply online and get a response within 60 seconds.
Rewards: Earn 2% cash back on all purchases.
Bonus Offers: Earn a $500 bonus when you spend $4,500 within the first 3 months.
Annual Fee: $0 for the first year, then $95 after that.
Details:Capital One® Spark® Cash for Business »Application Process: Apply online and get a response within 60 seconds.
Rewards: Earn 5% cash back on office supplies and cable/telecom services, with a $25,000 annual spending limit. Also, earn 2% cash back on dining and gas (also up to a $25,000 annual spend) and unlimited 1% cash back everywhere else.
Bonus Offers: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Annual Fee: None.
Details:Ink Business Cash℠ Credit Card »
Join the conversation
5 Best Small Business Credit Cards
Thanks for reading my article. I value your feedback and invite you to join the conversation: