Best Small Business Credit Cards of 2018

Whether you have a small business with just one employee or over 100, it’s critical to track your your business expenses and keep them separate from your personal finances. Business credit cards help you do that, along with other perks like giving you some additional float time to pay off the balance, easy expense accounting and categorization, employee cards, business discounts, and my favorite: rewards and/or cash back. Here are the best small business charge and credit cards out there, I’ve included a few options depending on what best suits your needs.

Best Small Business Credit Cards of 2018

Capital One Business Cash ImageCapital One® Spark® Cash for Business – A simple idea; 2% cash back on all purchases.  No tiers that run out each year and no categories, the Capital One® Spark® Cash for business is as straight forward as it gets.  As a BIG added bonus, new cardholders will earn a one-time $500 cash bonus after spending $4,500 in the first three months.  Cash rewards never expire and the $59 annual fee is waived in the first year.

Starwood Preferred Guest® Business Credit Card is the small business version of one of my favorite personal credit cards. The sign-up bonus is up to 25,000 Starpoints: Earn 10,000 Starpoints after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership. $0 introductory annual fee for the first year, then $65. Starpoints from the Starwood Preferred Guest loyalty program are very flexible with multiple redemption options towards free hotel stays, frequent flier miles, and gift cards. I use them primarily for free hotel stays or topping up my miles accounts for awards, and actually value them at 2 cents a point or more.

Ink Business Cash(SM) Credit Card is a nice combination of upfront bonus and ongoing rewards utility. The sign-up bonus offer is $300 cash back after you spend $3,000 within the first 3 months. No annual fee. It’s a credit card with a 0% Introductory APR offer for 12 months on purchases and balance transfers. Here’s the cash back rewards:

  • 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

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  1. Johnathan, please correct me if I am wrong, but I was under the impression that business cards should be avoided if possible since they don’t give the same consumer protections as personal credit cards, therefore making them riskier. From my understanding, if you will be the only one using the credit card, you are better off using a dedicated personal credit card from a consumer protection standpoint

  2. @rick – It is true that there are more protections required by law for all consumer credit cards. However, in many cases these business cards already either meet or exceed those requirements on their own. (The same is true for consumer debit cards.) However, less well-known issuers may not.

    For example, by law on a consumer credit card, one of the main protections is that your liability for unauthorized charges is limited to $50. However, most consumer and business credit cards actually give you $0 fraud liability, as mentioned in the Capital One Spark cards above. Indeed, I looked and all the cards above from Chase, American Express, and Capital One have zero fraud liability.

  3. Wasn’t there an Amex or other card that gave 5% back on “professional services”? IS that still available?

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