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The top business credit cards

Best small business credit cards of 2017

When you’re comparing business credit cards, there are a variety of different factors to consider. Things like the APR rate, payment details, and credit lines differ depending on the account holder’s credit history and profile, so it’s very hard to compare them.

For the sake of this article, we’re going to look at the best business credit cards on the market in terms of signup bonuses and rewards. Business credit cards are generally (though not always) more generous in terms of the signup bonuses and rewards. That said, most cards will require a business card holder to spend more than a personal card would in the first few months (in the order of thousands of dollars) to qualify for those generous signup bonuses.

Take the Chase Ink Business Cash Card, for example — it offers $300 back. But you have to spend $3000 during the first three months. The American Express Business Platinum Card also offers strong rewards with a really high spending hurdle. You’ll have to spend $10,000 in the first three months to qualify for 50,000 Membership Rewards (it’s a tiered card — there are bigger signup bonuses if you spend $20,000).

Before you jump into our list, head on over to some of our articles that can assist you in doing your research on business credit cards. We have a lot on how credit works and how your credit history and score impact your use of business credit cards.

Best all-around business credit card

The Blue Business℠ Plus Credit Card from American Express

Why we like this card: It doesn’t offer hefty signup bonuses like many of the offers from the other cards on this list, but as an everyday spending card, holders will receive 2x points on the first $50,000 their businesses spend with the Blue Business Plus card. Oh, and there’s no annual fee — for you or your employees. As a kicker, how about 0% APR on balances and transfers for the first 15 months?

The fine print:

  • In addition to 2X on points on the first $50k, cardholders will receive 1x points for everything above that
  • 0% APR rate on balances and transfers for the first 15 months
  • No annual fee, for main account holder or employee cardholders

Best credit cards for cash back rewards

1. Chase Ink Business Cash Card

Why we like this card: A lot of people like this card, including NerdWallet. The personal finance site rated the Chase Ink Business Cash Card as a top business credit card for 2017 because of its 0% APR period. The 0% APR period is among the longest we’ve seen — businesses applying for this card enjoy a 0% APR rate for the first 12 months on purchases and transfers.

The fine print:

  • 0% APR period for 12 months on purchases and transfers
  • $300 back when you spend $3000 during the first three months after account opening
  • 5% cash back up to $25,000 spending at office supply stores and cable/telephone/internet
  • 2% cash back up to $25,000 spending at restaurants and gas stations
  • 1% cash back on everything else

2. Spark Classic for Business from CapitalOne

Why we like this card: It’s a good card for SMB owners with average credit. There’s no annual fee and you get straight-up an unlimited 1% cash back reward on your spending. As a card for a young business or an SMB looking to find its footing, the Spark Classic can help build credit and provide steady cash-back rewards.

The fine print:

  • unlimited 1% cash-back rewards on every purchase
  • no minimum to redeem
  • relatively high APR (23.99%)
  • no foreign transaction fees
  • free employee cards

Best business credit cards for travel rewards

1. CitiBusiness AAdvantage Platinum Select World Mastercard

Why we like this card: 60,000 AAdvantage miles after you spend $3,000 in the first three months. Great way to qualify for travel within the American network. If you’re traveling internationally, the ‘no foreign transaction fees’ can be valuable.

The fine print:

  • 60,000 AAdvantage miles after you spend $3,000 in the first three months
  • earn 2x AAdvantage miles for every $1 spent on qualified purchases (telecom, rental cars, gas stations)
  • 1x miles on all other spending
  • free companion certificate each year if you spend > $30,000
  • no foreign transaction fees
  • annual fee $95 (waived for the first year)
  • first bag checked free on domestic travel

Best business credit card for bigger spending, traveling

1. The Business Platinum Card by American Express

Why we like this card: If you charge a lot to your business credit card and travel a lot, the Amex Business Platinum card LOADS up the rewards — 5x membership rewards on hotels and airfare. You’ll get access at over 1000 airport lounges worldwide.

The fine print:

  • 50,000 Membership Rewards points after you spend $10,000 (75,000 if you spend $20k) within 3 months
  • access at over 1000 airport lounges worldwide
  • 50% more points on large business eligible purchases of $5,000 or more (averages out to 1.5 points per dollar)
  • 1x on other purchases
  • 35% points back when you use points for qualified travel (up to 500,000 bonus points)
  • $450 annual fee
  • no foreign transaction fees

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