Advertiser Disclosure: Inc Authority has partnered with CardRatings for our coverage of credit card products. Inc Authority and CardRatings may receive a commission from card issuers.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Most entrepreneurs rely on credit cards to keep their small businesses running. Everyone has expenses, so why not get more out of your expenses with benefits like cash back, travel and hotel accommodations, or extra savings! Inc Authority has taken the time to analyze the business credit card market to find you the best offers of the year.
Our Ratings:
*New cardholders earn a $500 cash-back bonus after you spend $3,000 on purchases within the first three months of account opening.
Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.
This is our top overall business credit card pick, as there no annual fee, an introductory APR of 0% on purchases for 12 months, plus you will earn cash back on every single purchase that you make! This card is best for small business owners with good credit history, looking to put cash back into their pocket.
Our Ratings:
*New cardholders earn a welcome bonus of 80,000 Chase Ultimate Rewards® points after spending $5,000 in the first three months.
Thereafter, you can earn 3 points per $1 on up to $150,000 spent on travel; shipping; cable, internet and phone services; and advertising on social media platforms and search engines. After meeting the cap, and on all your other purchases, you earn 1 point per $1 spent.
This card comes with the highest point bonus we have seen (80,000)! If you enjoy travelling, and expect to spend at least $5,000 over the next 3 months, this is your card. The $95/year investment for this card is well worth the travel points you will be enjoying, when you take some well-deserved time off.
Our Ratings:
*For a limited time, earn up to $2,000 bonus cash back. Earn $500 when you spend $5,000 in the first three months and another $1,500 when you spend $50,000 in the first xis months.
This is a great fit for just about any business owner. The card is designed to give you 2% cash back on all purchases, which means you are not limited to specific spending categories. Experience savings with every purchase, so why not get more out of your expenses.
This is perhaps the best overall cash back card on the market. You will consistently receive 2% cash back on all purchases, which means you are not limited to specific spending categories! Experience savings with every purchase, so why not get more out of your expenses. Credit Needed Good, Excellent.
Our Ratings:
*For a limited time, earn up to 200,000 bonus miles. Earn 50,000 miles when you spend $5,000 in the first three months; earn another 150,000 miles when you spend $50,000 in the first six months.
Earn 2 miles per $1 on all your purchases and 5 miles per $1 on hotel and car rental purchases through Capital One TravelSM.
Earn 2x miles on all purchases, which you can transfer to a handful of travel partners. This is a straightforward travel credit card, and a great alternative to the Chase Ink business preferred, if you enjoy travel rewards. Similar to most travel reward cards, there is a $95 fee after the first year.
Our Ratings:
Receive a 12-month intro period with on purchases and balance transfers. This is a great card to help get you through your startup costs.
You’ll also receive 2% cash back on all your eligible purchases up to $50,000 spent per calendar year, then 1%
This is our favorite America Express card for new business owners, as there is no hefty annual fee (unlike other American Express cards). Don’t pay more to enjoy the prestiguious benefits that come with having an American Express card! Enjoy 2% cash back on eligible purchases up to $50,000 per year.
Our Ratings:
Earn unlimited 1% cash back on your every purchase, everywhere, no limits and category restrictions.
No annual fee.
Build and strengthen credit for your business by using this credit card responsibly.
Advertiser Disclosure: Inc Authority has partnered with CardRatings for our coverage of credit card products. Inc Authority and CardRatings may receive a commission from card issuers.
