Choose the Best Business Credit Cards for Your Business

If you own a small business in the United States, chances are that you will eventually begin searching for some of the best business credit cards.  It is usual for up and coming business owners to start considering how they will start building up their creditworthiness. Business credit cards can also help business owners meet the needs of their growing business. But, business owners often find themselves asking the same questions that many consumers do: Which credit card reaps the most rewards at the best rates? There are a few credit cards that fit the bill when it comes to reaping rewards at a affordable rates.

Once you’ve decided that your business is needing to invest in a credit card, there are a few things to consider.  Although some of the best business credit cards obtain their own kind of credit score called a Paydex, small business have to ask themselves the same type of questions that consumers do when considering an everyday credit card.  One of those best-business-credit-cardsquestions attempts to answer whether or not eh small business owner can afford a credit card.  Although the actually card may not have up-front fees, businesses have to consider whether or not the purchases needed, can be paid for. A major drawback for business credit cards is that upon the initial application, the business credit card is tied to the personal credit of the cardholder. In addition to this, if a business owner spends irresponsibly, the owner will still be personally responsible for the debt.

So you can afford one of the best business credit cards around huh?  You’ve assessed your budget and have determined that a credit card will help your small business flourish.  Consider a few credit cards that have been known to reap numerous rewards, including increased credit scores.

Ink Cash Business. With this card business owners can expect to earn up to $200 bonus cash back. This particular card is issued by JP Morgan Chase and is the best business card for cash back rebates. Cardholders can earn up to 10 points per dollar when making their purchases online at Chase Rewards Plus.  Cardholders can also enjoy a 0% introductory APR for 6 months.

SimplyCash Business Card from American Express. Ah, the faithful AMEX.  AMEX has a credit card that let’s cardholders earn 5% cashback.  Unlike a lot of credit cards in its class, there is no limit to the cash back consumers can earn.

CitiBusiness ThankYou Card. This card is issued by Citibank and is perfect for small business who’ve already established great credit.  After spending $3,000 within the first 3 months, cardholders will receive 15,000 bonus points, or $150 in gift cards.  There is also a 0% introductory APR for the first 6 months, then a 13.24% APR afterwards.

Small business owners will eventually have to opt for a business credit card.  Making this decision can be tough, especially since cardholders need the best credit cards for their small business purchases.  Be smart, opt for big rewards and low interest rates that will help, not hurt your growing business.


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