Best Exclusive Business Credit Cards in the USA
The best business credit cards have a range of benefits that include rewards, loyalty points, travel protection, cashback and expense management. For finding the best business credit cards you have to identify their factors that matters for your business sometimes rewards are best need of your business and sometimes you have need of credit building. Some features of best business credit card’s may suit your need and some may not.
Best Exclusive Business Credit Cards in the USA
Ink Business Unlimited Credit Card
Welcome Bonus $750
Annual Fee $0
Regular APR 17.99% to 23.99%
Credit Score Excellent
Rewards Get 1.% unlimited cash back at every purchase for business. Your business profit will increase with 1.5% just due to this card. Further, it help to keep finances separate.
Chase Ink Business Preferred Credit Card
Welcome Bonus 90,000 Bonus Points
Annual Fee $95
Regular APR 20.74% to 26.74%
Credit Score Excellent
Rewards Get 5X Rewards at travel purchases through Chase Travel, 3X Reward at dinning online groceries streaming services, 2X at other travel, 1X rewards at all other purchases.
The Business Platinum Card from American Express
Welcome Bonus 150 ,000 Bonus Points
Annual Fee $695
Regular APR 18.75% to 27.74%
Credit Score Excellent
Rewards Get 5X membership rewards point at flight and prepaid hotel at American Express Travel. 1.5X points at eligible purchases at construction,, hardware, electric & software. 1x for all other.
American Express Business Gold Card
Welcome Bonus 100,000 Bonus Points
Annual Fee $375
Regular APR 18.74% to 27.74%
Credit Score Excellent
Rewards Get 5X points at two eligible categories. 3x points at flights and prepaid hotels booked at Amex Travel. 1x points for all other purchases of any category with no limit.
Capital One Venture X Business Credit Card
Welcome Bonus 150,000 Bonus Points
Annual Fee $395
Regular APR 21.00% to 28.00%
Credit Score Excellent
Rewards Get 5X Miles at flights and vacation rental booked through Capital One Travel, 2x miles at any other purchases. Any other purchases have no limit and no restriction for category.
The Blue Business Plus Credit Card from American Express
Welcome Bonus 150,000 Bonus Points
Annual Fee $0
Regular APR 17.74% to 25.74%
Credit Score Excellent
Rewards Get 5X reward points at first $150,000 purchases each year. After that you will get 1x points for other purchases. All other purchases have no limit and no restriction for category..
State Farm Business Cash Rewards Visa Signature Card
Welcome Bonus 00,000 Bonus Points
Annual Fee $0
Regular APR 18.74% to 27.74%
Credit Score Excellent
Rewards Get 3% cash back at insurance premmium, 3% cash back at gas, EV stations, phone services, office supplies and dining purchases. 1% at all other purchases with no limit of category.
U.S. Bank Business Triple Cash Rewards World Elite
Welcome Bonus &750 Cash Back
Annual Fee $0
Regular APR 18.24% to 27.24%
Credit Score Excellent
Rewards Get 5% cash back at prepaid hotels & car rental booked through Travel Rewards Center. 3% at gas station, EV charging stations, office supplies, cell services & restaurants. 1% at all other.
Capital One Spark Cash Plus Credit Card
Welcome Bonus $2,000 Cash Bonus
Annual Fee $150
Regular APR 21.00% to 28.00%
Credit Score Excellent
Rewards Get 5% cash back at hotels and car rental booked through Capital One Travel, 2% at all other with no limit of spending and no restriction of any category. Outstanding rewards.
Methodology:
After analyzing hundreds of business credit cards, our team have shortlisted only a few for you based on the factors that are annual fee, welcome bonus, rewards, APR, credit history, foreign transaction fee, consumer protection and other benefits and perks. We have a evaluated many cards that are similar and difficult to compare. We have shortlisted only some cards that we think have importance for you.
What is a business credit card?
In business credit card is issued to businesses such as sole proprietor, partnership and Limited firms. These credit card allowed to the owners to keep business and personal expenses separate. These are helpful specially for the text purpose.
What are the different types of business credit card?
Most common type of best business credit card, is small business credit cards and corporate credit cards. Small business credit card are designs specially for small type of businesses such as sole proprietor partnership firms and startup business. This type of cards usually has benefits such as intro APR periods and separate credit cards for the employees. Small business can easily qualify for such card.
Corporate credit cards are for the firms that have business at least National level. This type of cards has different fee structure, reward options and extra works. These cards are very helpful in managing and tracking expense of the organization.
Advantage and disadvantages of business credit card
Following are the benefits of business credit card. These credit card keeps your personal and business finances separate. These cards earn rewards and maximize business earning. Further, the cards are helpful for building credit history. Moreover, cards have flexibility for making purchase, many tools available for the search that card have spending across accounts or employees.
Cons of business credit cards are that you have to manage one more account, debt start accumulating due to many memberships fee. Business cards have more protections than the consumer card.
How to get a best business credit card?
First of all, you have to check that your pre-qualification that you qualify for the specific card or not. After that, check your credit score and search the credit card required score. Compare both of the scores, then you will analyze that you will qualify or not. After your qualification, fill out the credit application and submit and wait for the decision after a few days you will get male of approval or rejection.
How we can compare different business credited card's?
To compare different business arrival card, you have to analyze following factors that are annual fee, earning structure, APR, ongoing AP and different financing option.
Do the business credit cards have worth?
Business credit cards allow small business owners and the corporate manager to keep and track their finance separately. Finally, the cards help you to better manage your expense, build your credit history and extra gain of rewards and benefit.