Best Credit Cards for Small Business

The best credit cards for small business rely on several factors. Some of the top cards offer no annual fee, flexible rewards programs, and useful online services. Weigh the most important benefits for your individual business to find the ideal card for your specific needs.

1.

 The Blue Cash for Business credit card requires no annual fee, no matter how many cards a user requests for other employees. Purchases earn up to five percent in cash, with no spending minimum and no cap on rewards. The card also provides entry into a unique online portal where small business owners can seek expert advice, chat with other business owners, and network, in addition to accessing traditional account management tools.

2.

 While many cards offer rewards programs, the Discover Cashback Bonus program is weighted towards items small business owners use most. Card users earn a five percent return on office supplies and two percent cash back on gas, along with the standard Discover reward of up to one percent on all other purchases. There is no limit on the cash rewards a card holder can earn, so businesses of all sizes can make the most of their spending. Employee cards are available, with customizable credit limits and individualized statements.

3.

 The Discover Miles card offers the same customer service benefits as the Cashback Bonus card – individualized employee cards with credit limit controls, quarterly and annual reports, and dedicated customer service agents. However, the rewards come in the form of airline miles instead of cash. Business users can earn up to one mile for every dollar spent, with double miles for travel-related purchases, including gas. When it's time to redeem miles, there are no restrictions and no blackout dates.

4.

 Designed for freelancers and new businesses, the Citi Professional Cash Card is one of the best credit cards for small businesses. It offers one to three percent cash back on all purchases, with business-related expenses like car rentals earning the higher reward. Cash advances and balance transfers may also be eligible for rewards. The accompanying Online Expense Organizer can be an invaluable business tool.

5.

 The CitiBusiness Card rewards one point for every dollar spent, with triple rewards for some business-related expenses. Rewards can be redeemed for gifts or used towards future payments. Live customer support is available 24 hours-a-day and customers receive both quarterly and annual spending reports.

6.

 No Hassle Cash card customers enjoy one percent cash back, with a 25 percent annual bonus on all cash rewards. Other advantages include free employee cards, no annual fee, and a year-end summary report. The card also offers access to the Visa Business Partner Advantage program, a business-related savings program that can help owners watch their bottom line.

7.

 The No Hassle Miles card earns business owners one mile for every dollar spent. The reward program is also highly flexible. Cardholders can use the miles to fly any airline, with no blackout dates or other restrictions. Despite being an airfare-based card, customers can also redeem their miles for cash and merchandise. On the business side, Capital One offers cardholders free employee cards and a year-end use summary.

8.

 American Express Platinum has no annual fee, and unlike some American Express cards, offers the option of paying balances over time. While the card doesn't focus on rewards to the same extent as other cards, cardholders have the option of joining Membership Rewards Express to earn travel and merchandise bonuses. The Platinum Business card includes access to vital American Express resources like emergency assistance and insurance.

9.

 The Power Rewards Visa offers a points-based reward program, with bonuses for purchases through the Power Rewards Travel Center. No points limits and more than 250 available rewards add to the card's status as one of the best credit cards for small business. Insurance and security services help business owners feel safe. For instance, the card offers $100,000 of protection against improper card use by former employees. The card's travel services are another strong selling point. Users can take advantage of pre-trip assistance and emergency services like medical referrals.

10.

 One of the biggest benefits of the Chase Business Card is its online account center. Set spending limits on employee cards, view spending reports for all cards, and keep track of your overall expenses. Cardholders are also eligible for special discount programs. Discounts vary depending on the card, but include everything from car rentals to online retailers to gift cards.

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