Best 10 Small Business Credit Cards for New Businesses

When you are starting a new business or when your already running business starts to grow, you should consider getting a business credit card to finance its growth and expansion. There are several benefits of using business credit card. You will have a separate business credit card whose score will not interfere with your personal credit score, you can enjoy higher credit limit, you will have a chance to boost your credit score if your business is running smoothly, you can manage your employees’ spending more conveniently because business credit card allows you to set their spending limit, and you can enjoy various perks of using business credit card.



If you plan to get a new business credit card, here we will show you the best 10 small business credit cards for new businesses that you can check out and the reasons why you should choose any of them.

The Best 10 Small Business Credit Cards for New Businesses.

1.     Chase Ink Business Preferred
One clear reason why you should choose Chase Ink Business Preferred credit card is because it offers the best travel bonus. If your business requires you to travel a lot, this credit card is the best choice. You’ll get 80,000 point sign-up bonus that is worth $800. And when you redeem the points to United Airlines or other Ultimate Rewards travel partners, you will get rewarding outsized value.

2.     SimplyCash Plus from American Express
SimplyCash Plus might not be an appealing choice for people looking for rewards, but for those who want to free themselves from annual fee, this business credit card can be a viable choice. There are three available cash back bonuses: 5% on office supply and wireless telephone purchases, 3% on one chosen category, and 1% on all other purchases.

3.     Bank of America Platinum Visa Business
With free annual fee and APR that is as low as 10.74%, Bank of America Platinum Visa Business is definitely the best choice if you are looking for low-cost business credit card option. Although rewards are nearly absent, you can earn $200 of credit statement if you spend $500 within the first two months.

4.     Capital One Spark Cash
Cash back bonus and free employee card are two features that make Capital One Spark Cash credit card stand out. With this credit card, you can get unlimited 2% cash back bonus for all purchases. The cash back bonus is awarded either in the form of a check or in the form of a statement credit. The annual fee is waived in the first year and $95 for every year that follows; however, if you spend about $5,000 a year, which is relatively small for business expenditure, the annual fee is effectively offset.

5.     CitiBusiness / AAdvantage Rewards
If you travel a lot using American Airliness, this is the right business card for you. It grants you free 2 miles for every $1 spent on American Airlines, gas station and other select categories purchases and 1 mile for every $1 spent on other purchases.

6.     American Express Business Platinum
If your business frequently makes large expenses, American Express Business Platinum is a good choice. You get rewards if you spend a lot and you also get rewards if you frequently book flight and stay in hotels.

7.     Southwest Rapid Rewards Premier Business
If you are a Southwest Airlines customer, this business card will benefit you a lot. Do $3,000 worth of purchases within the first 3 month and you will get 60,000 point bonus, which you can use for booking a round trip for 2, renting a car, or booking a hotel. There are also ongoing point rewards that you can reap when using this business card.

8.     Starwood Preferred Guest
If you become hotel guest frequently, Starwood Preferred Guest business credit card can be your best choice. In addition to granting free Sheraton Club Lounges access for every stay, this business credit card also grants valuable Starpoints that are great for your hotel stay. Every Starwood stay grants you up to 5 points and every Marriott Rewards stay grants you up to 2 points. If you can accumulate 2,000 points, you can enjoy free night at the best hotel room.

9.     GM BuyPower Business Card
If your business uses a lot of GM cars, you should use this business card. It offers 5% cash back for all car accessory purchases and also 3% cash back for gas, food and office supply purchases.

10.  Bank of America Advantage Travel Rewards

What is great about Bank of America Advantage Travel Rewards business credit card is its flexibility in choosing rewards. Its reward is point-based and you can use your points for any rewards you want. There is no time limit to accumulate your points because they never expire. You can use the accumulated points to enjoy free flight, cash back, and gift cards. There are two ways to collect points. You can collect 3 points for every $1-worth travel-related purchase and 1.5 points for every dollar spent for other purchases.

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