The Best Business Credit Cards

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Chase Ink Business Unlimited Card

Dubbed as the “business credit card with the best flat-rate rewards,” the Chase Ink Business Unlimited Card offers users an unlimited 1.5% cashback reward on each of their business transactions.

With zero annual fees, you will genuinely appreciate Chase Ink Business Unlimited Card’s straightforward flat-rate rewards program that requires zero effort and time from your end.

With a welcome bonus offer of earning $750 cashback, you can without guilt seal those deals with a single swipe because you know that the rewards you earn after spending $7,500 in the first three months are worth it.

And the cashback rewards are returned to you in the form of Ultimate Rewards. These are conveniently integrated with your existing Premium Chase credit card accounts so you can maximize all possible reward redemption possibilities. 

With the Chase Ink Business Unlimited Card, you can have complete peace of mind because it comes with Fraud Protection, where all your transactions are monitored using real-time fraud monitoring systems. 

Thanks to Chase’s Zero Liability, you will not be held accountable for any unauthorized charges that are made using your account information or card.

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The Hilton Honors American Express Business Card

If your business involves plenty of traveling, then this is the right credit card for you. The American Express Hilton Honors Business Card is your best choice for full-service hotel perks.

You can earn up to 12 times Hilton Honors Bonus Points on qualified purchases in many participating resorts and hotels under the Hilton portfolio.

And after spending $2,000 worth of purchases in the first three months of becoming a member, you get 130,000 bonus points. Once you reach a total purchase of $10,000 in 6 months, you earn 50,000 Hilton Honors Bonus points that you can use for your next Hilton accommodation.

The perks of this credit card are endless because, with the complimentary Hilton Honors Gold status, you can have a guaranteed 80% bonus on all the card’s Base Points that include space-available room upgrades once you check in on any Hilton-affiliated hotels.

With American Express widely accepted in almost 99% of places in the US, you can use your business credit card whenever you are.

What’s best is that you can confidently use your card when abroad without the surprise and unwanted foreign transaction fees.

The application for the American Express Hilton Honors Business Card is easy and fast. The bank can provide you with a decision in three seconds, which is truly impressive because once approved, you can start making more definite plans and create a financial structure for your business.

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The Blue Business Plus Credit Card from American Express

One of your best credit card choices when you are starting with a new business, the Blue Business Plus Credit Card gives you the chance to earn up to double the reward rate when you reach a total purchase of $50,000 in one year.

And by the second year, you are guaranteed unlimited 1x points. And yes, the Blue Business Plus Card is one of the very few examples of business credit cards that offer zero annual fees, so you can focus on getting established and getting rewarded.

If you don’t want to be indebted in your first year or intend on spending less than $50,000 annually, this credit card is the perfect fit for your needs. 

One of the pros of this American Express Blue Business Plus card is you can earn up to 15,000 Membership Rewards after spending $3,000 in qualified purchases during the first three months of being a member.

After that, you can enjoy up to twice membership rewards on each purchase, like client dinners and office equipment, without the guilt.

With this credit card’s Expanded Buying Power, you can maximize and use beyond your credit limit but note that the total amount you spend above your limit has a set restriction. When this happens, the use of your card will automatically be adjusted as well as your credit record, payment history, and financial resources.

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Capital One Spark Cash Plus

Capital One is always a go-to for both personal and business needs. And the Spark Cash Plus is one of the best business credit cards that you can ever own.

This Spark cashback card provides you with a reasonable 2% reward on all your purchases. And if your business exceeds an expenditure of $7,500 every year and you don’t want several bonus classifications, then the Spark becomes a perfect match for your financial needs.

With Capital One’s policy of not having any foreign transaction fees, you can have financial security anytime traveling internationally.

This green card is a must in every business because you can set up automatic payments. You don’t need to log in to your account every month and settle your charges because everything is done once you set up the payment scheme.

And in instances that you lose your card or it gets stolen, you can get an emergency replacement and even a cash advance and not have to worry thanks to its $0 fraud liability blanket.

You can have a financial summary with an itemized report of your entire year’s spending every year. This can make your budgeting and auditing seamless and less complicated. What’s more, is that your dedicated account manager can make transactions on your behalf while you maintain control over limits in transactions and take care of resolving any financial problems.

And to top it off, this Capital One credit card also offers virtual card numbers making it safer for you to do online transactions sans having to provide your actual card number to partners and vendors.

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Ink Business Cash Credit Card

If you are after a credit card that has zero annual fees while still letting you earn valuable rewards, then the Ink Business Cash Credit Card is an excellent option for you.

Marketed more as a cashback card than an actual credit card, it will be smart if you pair this with a premium Chase Ultimate Rewards card that also earns to maximize all the Chase Ultimate Rewards points you can get in exchange for your purchases.

Providing you with a layer of protection that is relatively rare in most of today’s business credit cards, you won’t get another chance to enjoy primary car rental insurance or even purchase protection with other business credit cards.

On top of this, you can get spoiled with the 5% cashback rewards that you can get for the initial $25,000 spent. Combined purchases like office supplies, phone, internet, and cable services can earn you cash backs, so spending is not exactly money out of your pocket.

Upon signing up, you get to enjoy the Ink Business Cash Credit Card’s welcome offer of a $750 bonus cashback. You are entitled to this after spending $7,500 worth of purchases in the first 90 days of opening your account.

If you want a business credit card that gets the job done and won’t provide you with complicated challenges, then consider the Ink Business Cash Credit Card as your ultimate choice.

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