Top Business Credit Cards for Small Entrepreneurs #1

Credit Cards
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1. Chase Ink Business Preferred® Credit Card

  • Best for: Large spending on travel and business expenses
  • Key Benefits:
    • Earn 3 points per $1 on the first $150,000 spent on travel, shipping, internet, cable, and advertising
    • Earn 1 point per $1 on all other purchases
    • 25% more value when points are redeemed for travel through Chase Ultimate Rewards
    • Annual fee: $95
  • Why it’s great: Excellent for business owners who spend heavily on travel and marketing. Points can be redeemed for travel or cash back.

2. American Express® Business Gold Card

  • Best for: Earning rewards on specific business categories
  • Key Benefits:
    • 4 points per $1 on the first $150,000 spent in 2 categories each billing cycle (e.g., advertising, gas stations, restaurants, etc.)
    • 1 point per $1 on all other purchases
    • No foreign transaction fees
    • Annual fee: $295
  • Why it’s great: Perfect for businesses with varying spending patterns, offering flexibility in earning maximum rewards on the most important categories.

3. Capital One Spark Cash for Business

  • Best for: Simplicity and cash back
  • Key Benefits:
    • Unlimited 2% cash back on every purchase
    • No rotating categories or sign-ups required
    • Earn a $500 cash bonus after spending $4,500 in the first 3 months
    • Annual fee: $95 (waived the first year)
  • Why it’s great: Great for businesses that prefer straightforward, high cash-back rewards without the hassle of tracking categories.

4. Wells Fargo Business Platinum Credit Card

  • Best for: Low-interest financing
  • Key Benefits:
    • 1.5% cash back on every purchase
    • 0% intro APR for the first 9 months on purchases and balance transfers
    • Flexible payment options and online tools
    • Annual fee: $0
  • Why it’s great: Ideal for businesses that need more time to pay off larger purchases or are looking for a straightforward cash back option with no annual fee.

5. Blue Business® Plus Credit Card from American Express

  • Best for: Businesses with moderate spending and earning rewards
  • Key Benefits:
    • Earn 2 points per $1 on the first $50,000 spent annually (then 1 point per $1)
    • No annual fee
    • Flexible spending limits
    • Purchase protection and extended warranty benefits
  • Why it’s great: A strong option for businesses that don’t spend heavily on one category and prefer consistent rewards with no annual fee.
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