There are many different types of business credit cards. There are gift cards, miles cards and cash back cards. Many cards offer sign-up bonuses and other perks. Other cards offer extended warranties and travel insurance. Some offer tickets early access. It all depends on what your business needs are and what you're looking to achieve.
Capital One Spark Plus
Capital One Spark Plus might be the best choice if you're in search of a business credit line. This credit card is available with flexible credit limits and a $150 annual charge. It is also free of any category restrictions, making this card great for business expenses. Before applying, there are a few things you should consider.
Consider the annual fee and late fees when you are considering a business credit card. Consider the early spend bonus. If you spend a lot of cash on one purchase, this bonus could be beneficial for your business. The benefit of having the ability to track your purchases and limit your spending is also available. In addition, you'll get unlimited 2% cash back, which is great for companies with multiple employees.
Capital One Ink Business Unlimited
Ink Business Unlimited provides flat 1.5% cashback on all purchases. It also has no annual fees. This makes it a good choice for business owners who want a simple rewards card. Ink Business Unlimited is also available with a low annual fees and the ability to add authorized customers. All purchases made with the card by authorized users will be charged to them.
Ink Business Unlimited offers a great business credit card option to entrepreneurs who don't want to pay an annual fee or receive large sign-up bonuses. It comes with a 0% APR period on purchases, and a rewards program that pays out generously in other ways. Small businesses can also benefit from the low foreign transaction fees.
American Express Blue Business Cash
The American Express Blue Business cash credit card offers a low annual fee as well as a 2% cashback rate for eligible purchases. Each month, the credit card automatically credits your card with cash back if you make a purchase. The cash back rate on this card will decrease to 1% if your annual spending exceeds $50,000. This card is still an excellent choice for moderate spending.
If you are looking to earn cashback on all your purchases, the Blue Business Cash credit card is a great choice. This card gives you 2% cash back for every purchase and an additional 5% cashback for purchases made through Capital One Travel. A $1,000 cash bonus can be claimed based upon certain spending requirements.
Bank of America Business Advantage Rewards Travel World Mastercard
The Bank of America Business Advantage World Mastercard Travel Rewards World Mastercard is a top choice for travel rewards. The card offers flexible rewards and no annual fees. You get 1.5 points for every dollar you spend on purchases. Travel purchases earn you three points. The card also comes with a bonus of 30,000 point after you spend $3,000 within the first 90 days.
This card suits those with good-to-excellent credit. A minimum FICO (or VantageScore) of 670 is required to qualify. The card is not open to all applicants. You may need to consider other banks if your credit score is high and you are interested in a small business credit card that is no-annual fee.