Best Small Business Credit Cards for 2019

best small business credit cards

Gather ‘round kids, it’s time to hear a story. Once, there was a small business owner named Jane who ran a small print shop.

One day, she decided she needed to move her equipment to a new studio where the rent was cheaper and the ceilings were less leaky.

But moving her expensive, one-of-a-kind, and not-to-mention heavy equipment was going to be expensive.

She would have to hire specialty movers, buy new shelves and storage solutions to organize her new space, and reprint all her business flyers with her new contact information.

All in all, it was going to cost Jane about $5,000!

One friend told Jane to use her emergency fund, another told Jane to use the Chase Sapphire Ink card with an 80,000 point introductory offer for spending $5k in the first 3 months.

Using the Chase Sapphire Ink credit card would let her cash in her rewards for $1,000 in airline miles to go on a speaking tour about printmaking in Japan.

And she wanted to do it for free. So she applied, was approved, and watched the bonus reward miles roll in!

Best Small Business Credit Cards

Getting a Small Business Credit Card is Relatively Easy

A lot of small business owners don’t carefully consider getting a Small Business Credit Card because they think they need an Employer Identification Number (EIN) qualify – this is not necessarily true.

As an applicant for a Small Business Credit Card, your application will be evaluated based on your personal credit history. While your credit line will be determined, in part, by the annual revenues of your business, there is no need to have an EIN or business credit history to get a business credit card.

And when it comes to getting a Small Business Credit Card, the potential benefits are limitless.

Our Favorite Credit Cards for Small Business in 2019

Ink Business Preferred℠ Credit Card

chase ink business preferred credit card
  • earn 80,000 bonus points after spending $5,000 in the first 3 months
Current Offer: 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening.

Perks of the Bonus: When you redeem your 80,000 bonus points you could get the equivalent of $1,000 back to cover travel expenses! That’s a heck of a lot of money if you think about it.

You could use that money to cover a round-trip Transatlantic flight to see an old college buddy, or you could buy a few tickets to Orlando for a weekend of family fun at Disneyworld.

What Additional Perks Can I Get?

You’ll earn 1 point per $1 spent using the Ink Business Preferred℠ Credit Card on all non-travel related purchases on an unlimited basis.

This card helps you earn serious rewards for your business!

  • Modest annual fee of $95
  • 3% cash back in select categories: travel, shopping, advertising, and more.
  • Cardratings.com 2017 Editor’s Choice Small Business Credit Card Worth Annual Fee

Ink Business Cash℠ Credit Card

Chase Ink Business Cash Credit Card
  • earn $500 bonus cash back after spending $3,000 in the first 3 months
Current Offer: $500 bonus cash back after you spend $3,000 on purchases in the first 3 months

Perks of the Bonus: Great way to earn $500 in bonus cash if you know there’s a big business purchase on your horizon.

What Additional Perks Can I Get?

Add employee cards at no additional cost.

Fraud Protection, Purchase Protection, and personalized Account Alerts to help you monitor account activity.

  • 5% cashback in select business categories like office supplies, internet, cable, and phone services.
  • Earn 2% cashback at gas stations and restaurants for the first $25,000 spent every calendar year.
  • Unlimited 1% cashback on all other purchases.

Ink Business Unlimited℠ Credit Card

Chase ink business unlimited credit card
Current Offer: 0% Introductory APR for 12 months, plus $500 cashback after you spend $3,000 in purchases in the first month.

Perks of the Bonus: Earn $500 in bonus cash if you know there’s a big business purchase on your horizon AND you want to pay it back over a year with no penalties.

Let’s also not forget that Chase Ultimate Reward points stretch further when you redeem your points through Chase. $500 in cashback could equate to more in travel or hotel rewards when purchased through the Chase Mall.

What Additional Perks Can I Get?

Add employee cards at no additional cost. Plus- Fraud Protection, Purchase Protection, and personalized Account Alerts to help you monitor account activity.

  • Simplified, unlimited 1.5% cashback on all purchases.
  • No annual fee.
  • 3% foreign transaction fee.

Capital One® Spark® Cash for Business

Capital One Spark Business
  • earn unlimited 2% cash back for your business on every purchase
Current Offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.

Perks of the Bonus: Earn $500 in bonus cash if you know there’s a big business purchase on your horizon.

What Additional Perks Can I Get?

Add employee cards at no additional cost. Plus, have peace of mind with fraud protection alerts and zero fraud liability.

Excellent reports, summaries, and accounting records for your business.

  • Unlimited 2% cashback on all purchases.
  • $95 annual fee, waived in the first year.
  • Set customized spending limits for each of your employees.

Capital One® Spark® Miles for Business

Capital One Spark Miles for Business
Current Offer: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

Perks of the Bonus: Take your next business trip on Capital One®. Earn up to $500 in free travel in your first three months of being a cardholder.

What Additional Perks Can I Get?

Redeem your 2X travel rewards at any time, with NO minimum threshold to redeem. Plus, add employee cards at no additional cost.

Plus, have peace of mind with fraud protection alerts and zero fraud liability. Excellent reports, summaries, and accounting records for your business.

  • Unlimited 2X Travel Rewards for your business – No blackouts or seat restrictions.
  • $95 annual fee, waived in the first year.
  • Set customized spending limits for each of your employees.

The Business Platinum® Card from American Express

the business platinum card from american express
  • earn up to 75,000 membership rewards in the first 3 months
Current Offer: Earn 50,000 rewards points after you spend $10,000, plus an extra 25,000 points after spending an additional $10,000 on qualifying purchases in your first 3 months.

Perks of the Bonus: Put your 75,000 Membership Rewards points to work and redeem for travel and hotel stays, plus enjoy relaxing in the American Express Global Lounge Collection. Plus, redeem 15% back on your Membership Rewards when you book through American Express Travel.

What Additional Perks Can I Get?

All Business Platinum Card Members get one complimentary year of Platinum Global Access from WeWork. Take your work on the go – in style.

Access premium, inspiring workspaces that are designed just for productivity and focus. Stop in a WeWork and feel just like you’re in the office, but in over 75 cities and 20 countries.

  • $595 annual fee with perks that are well worth it.
  • 5X Membership Rewards on flights and travel for your business.
  • Annual $200 airline credit.

American Express® Business Gold Card

American Express Business Gold Card
  • earn up to $500 back in statement credit for services purchased via FedEx in first 3 months
Current Offer: Earn $500 back in the form of a statement credit by purchasing services with FedEx within the first 3 months of having your American Express® Business Gold Card.

Perks of the Bonus: American Express Membership Reward Points are an extremely valuable commodity because of the flexibility American Express affords its consumers when they choose to redeem their points.

No longer are you limited to redeeming points on the merchandise you have little use for.

Instead, you can redeem your points on travel through American Express as well as a variety of gift cards, perfect as gifts for family members.

Your points are also valuable at one of American Express’ partners, which range from Uber to Airbnb, and can be redeemed to cover charges at any partner company.

What Additional Perks Can I Get?

American Express wants to ensure its clients are always on top of their expenses, so the American Express® Business Gold Card comes with great expense tracking tools to ensure that you’re aware of your spending habits and maintain good credit.

  • Airline Bonus: 25% points back after using points for all or part of an eligible flight booked with Amex Travel
  • Pay Over Time: a flexible payment option is here to help you manage cash flow on purchases that are over $100

Delta Reserve for Business Credit Card from American Express

Delta Reserve for Business Credit Card
  • 40,000 bonus miles after spending $3,000 the first 3 months
Current Offer: Earn 40,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after your first $3,000 in purchases in the first 3 months.

With a $450 annual fee, the Delta Reserve card isn’t for everybody. But if you’re a Delta loyalist who flies frequently, the complimentary Delta Sky Club® Access is worth the annual fee even before considering the other perks. I have the consumer version of this card, and the very best perk to the Delta Reserve cards is the Miles Boost feature: When you spend $30,000 on this card within a calendar year, you’ll earn 15,000 Medallion Qualification Miles (MQMs). Spend $60,000, and you’ll earn another 15,000 MQMs. These are the miles that propel you to new levels of Medallion status and unlock perks like complimentary first class upgrades.

Perks of the Bonus: Delta loyalists, rejoice! Every 5,000 bonus miles redeemed is up to $50 off the cost of a Delta ticket when you redeem on Delta.com. If you’re doing the math, that is up to $1,000 worth of free Delta travel after your first $3,000 in spending.

What Additional Perks Can I Get?

Check your first bag free on Delta flights and enjoy early boarding on Delta Flights with Main Cabin 1 Priority Boarding. Never run out of space for your carry-on.

  • 24/7 Concierge and Complimentary Delta Sky Club® Access
  • $450 annual fee with perks that are well worth it.
  • 2X rewards on Delta purchases.
  • 1X miles on all other purchases.

The Blue Business® Plus Credit Card from American Express

the blue business plus credit card from american express
  • 2X membership rewards points on everyday business purchases
Current Offer: 0% intro APR on purchases and balance transfers for 12 months.

The Blue Business® Plus Credit Card from American Express is a great choice for small or emerging businesses that won’t spend enough to justify an annual fee.

Perks of the Bonus: Earn 2X cashback if you know there’s a big business purchase on your horizon AND you want to pay it back over 12 months with no interest.

What Additional Perks Can I Get?

The adjustable credit limit gives you unlimited opportunities to earn points on everyday business purchases.

  • 2X points on all business expense up to $50,000 per year – no category restrictions.
  • 1X points on all purchases after $50,000.
  • Flexible credit line allows you to spend over your limit when you need it.
  • $0 Annual Fee

Compare Top Small Business Credit Cards

Why a Small Business Credit Card is Worth It

There are so many reasons you should seriously consider getting this type of credit card, but the one that applies to all small business owners is the benefit of being able to separate personal expenses from business expenses.

Even if you don’t have a business checking account, putting your business expenses on their own credit is a great first step for organizing your records. But the perks don’t end with logistical benefits.

Depending on your spending, you’ll also be able to earn rewards and cashback for business expenses, build a credit history for your business, and increase your access to small-business loans on the monthly.

Some cards offer great cashback deals on certain expenses while others guarantee cash toward travel when you redeem your bonus points.

You can redeem points you earned paying for everyday purchases like gas or groceries to access the finer things in life, from airline travel to personal accessories.

The options are plentiful; now it’s up to you to decide which Small Business Credit Card is the right one for you.

David Weliver

David Weliver

David Weliver is the Credit Cards Editor at Millennial Money. He is the Founder of Money Under 30 and is widely regarded as one of the top credit card rewards experts in the world. David has been writing about personal finance and credit cards since 2006 and been featured in The New York Times, NPR, USA Today, Forbes, and many others.
David Weliver

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