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Best Business Credit Cards

Having a dedicated small business credit card has so many rewards and benefits that there’s really no reason not to have one. You can earn points on your day to day expenses, and will usually receive itemized expense reports every quarter, which is helpful for bookkeeping and accounting.
Reviews of the Top 3 Offers

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express The Starwood Preferred Guest® Credit Card from American Express credit card is hands down the best deal. You earn rewards on this credit card by accumulating Starpoints, where a $1 purchase gives you 1 Starpoint. The real payoff is if you are a big spender; if you spend $30,000 in one year, you get upgraded to Starwood Gold status, and you get 3 Starpoints for every $1 spent!

Starpoints can be redeemed for free nights at hotels, or free airplane tickets. Participating Starwood Hotels include: Sheraton, W Hotels, Le Meridien, Luxury Collection, Westin, and St. Regis. A free night at a hotel ranges from as low as 2000 Starpoints to 10000 Starpoints, depending on the luxury level of the hotel.

A domestic roundtrip airline ticket will run you 25,000 Starpoints. Carriers that accept Starpoints include: Alaska Airlines, American Airlines, British Airways, Continental, Delta, Japan Airlines, Northwest, Qantas, US Airways, and United Airlines (see all Starwood Airlines). Simply logon to your account at SPG.com and you can convert your Starpoints to miles points on all major airlines.

The great thing is that when you convert Starpoints to frequent flyer miles, AMEX will automatically give you a 5,000 point bonus, meaning that you really need only 20,000 Starpoints to get a free plane ticket.

For a limited time, Starwood is running a FREE 10,000 Starpoints credit card sign-up bonus offer.

Sign up, make a purchase, and you will be credited with 10,000 Starpoints. 10,000 points is enough for 3-4 nights at a Category 1 Hotel (ie Four Points Sheraton), or 1 free night at a Category 5 Hotel (Westin & W Hotel). Or if you’re ambitious, 10,000 more points and get yourself a free domestic plane ticket.

The only drawback on this card is that there is a $45 annual fee (waived your first year!), but if you actively use this credit card, the points that you accumulate are well worth the $45. In addition, if you’re an aggressive bargain hunter, there are reports that you can waive the fee after the first year by calling American Express customer service and complaining about the fee. Twist their arm a little by threatening to cancel, and they *may* accommodate you depending on your spending levels.

SimplyCash® Business Card from American Express

American Express SimplyCashSM Business Card The SimplyCash® Business Card from American Express comes in at #2 because they offer 5% cash back on gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases.

This card is great for people who spend a lot on gas. This is one of the best gas credit cards out there. There used to be a lot of credit card companies that paid 5% cash back on gas, but recently, because of rising fuel prices, credit card companies have been forced to cut back on their gas rewards. Nevertheless, American Express pays out a true 5% cash back on fuel, so they’re a great option for businesses that rely heavily on transportation.

Chase Business Rebate Card

Chase Business Rebate Card Runner up is the Chase Business Rebate Card. I recommend the Chase card for people who want to save money on everyday expenses.

Chase offers 3% cash back on eligible purchases at restaurants, gas stations, office supply stores, building supply stores, and home improvement stores. Get 1% cash back everywhere else.

If you are already spending lots of cash at these kinds of places, you might as well get this credit card and get some cash back rewards. There is no annual fee, and since its a VISA, it’s accepted everywhere. This is a great option for small office / home office entrepreneurs.

More Offers Below . .

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Comments (11)
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  1. James said:
    on July 28th at 05:19 am

    The real divide is whether or not you are a frequent business flier as a small business. A non business flier can look at cash back and annual fees. However a business flier needs to look at two things above the cost - customer service, which better be 24-7 if your flying all over the place and frequent flier miles.

    One thing above all that is needed for a business card - above low annual fees or frequent flier miles - is to be accepted everywhere that you will do business. If you don’t get this then you will find yourself paying for business expenses with your personal card - and then your easy book keeping goes out of the window.

  2. gkr said:
    on August 15th at 08:02 am

    We have a United Mileage Plus Platinum Business Card which offers 17,500 Bonus Miles after the First Purchase. I do not understand why you had missed this.

    There are different features for it. You will get 2 Miles for every $1 spent on United Purchases and 1 Mile for every $1 spent on all other Purchases. A $25 United Discount Travel Certificate and bonus miles at restaurants etc.

    But there is a $75 annual fee. There are no initial charges. APR is 18%. For business flying needs it will be better.

  3. Max Messner said:
    on August 16th at 11:17 pm

    I just wanted to point out that with the current 10,000 bonus point Starwood Business Card offer, you can actually get 5 free nights at Category 1 hotels.

    I believe the 2,000-point hotel stays are valid for weekends only, so you just have to redeem the points for 5 separate weekend stays, although that may not necessarily be suitable for business purposes.

    However, get both the Starwood Consumer and Business Cards and you get 10 free nights.

  4. Pat Clevenger said:
    on November 16th at 01:44 pm

    I am looking for a card that will allow me to pay my employees with their card and then earn airline miles. I don’t have a lot of business expenses other than payroll. I spoke with Alaska Airlines and they told me that they would look at this as a “Cash Advance” and that it would not qualify for miles. Does anyone know of a way to make this work?

  5. Joe User said:
    on April 6th at 12:58 pm

    The Chase card is a scam. Looks good on paper, six months later they jack the rate up to 29.99% They lie and will claim some bogus reason like your debt to income ratio changed. I looked on my credit report and found they never did the SECOND credit review. All payments were on time and 5 times the amount of the minimum.

    BOTTOM LINE: Don’t get suckered… Chase is a SCAM ARTIST!

  6. sharon said:
    on April 8th at 06:12 am

    You site is really nice & i want to add a link on that page. Could you help.

  7. Jenny said:
    on April 18th at 02:18 pm

    I am agree with Joe User, the chase card is scam. They gave me 9.9 % and now it is 29.9%. Same bad experience.

  8. Haplo said:
    on April 23rd at 12:43 am

    The Discover Business Card is the best one. Unlimited rewards that never expire, Miles or CashBack Bonus on all the purchases you make. Free purchase and much more! Also they have what no other credit card has for both business and personal accounts: Click to chat customer service. Just click a button and you will be connected with a live rep who will help you.

  9. alex said:
    on May 5th at 03:33 pm

    The chase card is horrible, it looks to me that the mafia works there, if you are missing a payment for a day your interest rate goes to almost 30% even sending them a letter of explanation, They are really in bussines to kill you

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