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      September 22, 2017

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Business Credit Cards Better Business Bureau Reliability Seal

In today's business market, getting ahead means strict attention to the bottom line. Cutting costs at and financial know-how is often the difference between success and failure. That's where business credit cards come in. They provide necessary credit, while offering perks and benefits as a reward for hard work. Simply charging the expenses for travel, client dinners, inventory, and more to your business credit card is an excellent way to manage monthly cash flow and and watch expenses.

When you use a business credit card you can also quickly rake up reward points which equate to free travel, cash back, and other gifts depending on the perks available with your business card. You can use those perks to reward yourself or motivate your employees for a job well done. Many small businesses also appreciate the larger line of credit that a business card provides, which lets them better manage their expenditures.

Continue reading below reviews

2017

Business Credit Card Reviews

5 stars
USAA Cash Rewards® Visa Signature® Card

Visit Site USAA Cash Rewards® Visa Signature® Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

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4 stars
USAA Cash Rewards® American Express® Card

Visit Site USAA Cash Rewards® American Express® Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars
USAA Rewards™ Visa Signature®

Visit Site USAA Rewards™ Visa Signature®

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars
USAA Rewards™ American Express® Card

Visit Site USAA Rewards™ American Express® Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars
USAA Preferred Cash Rewards Visa Signature®

Visit Site USAA Preferred Cash Rewards Visa Signature®

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars
USAA Cashback Rewards Plus American Express® Card

Visit Site USAA Cashback Rewards Plus American Express® Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn 5% cash back at gas stations & qualifying commissaries on up to 3,000 in annual purchases.
  • Earn 2% cash back on groceries from supermarkets on up to 3,000 in annual purchases.
  • Earn 1% cash back on all other purchases.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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2 stars
READYdebit® Visa Prepaid Card

Visit Site READYdebit® Visa Prepaid Card

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue or Pink

Most Attractive Features:
  • No credit check
Least Attractive Features:
  • Fees and usage limits

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Continued from above

When looking for the right business credit card, there are a number of factors you should consider. Some of these include:

  • Line of credit. Having an appropriate line of credit for your business expenses is necessary to make sure the business credit card works for you.
  • Interest rates, penalties and annual fees. If you plan on carrying a balance, you'll want to make sure you have the best interest rate possible on your business credit card. Also you need to understand what annual fees and penalties exist with any business credit card you consider.
  • Perks. Not all business credit cards offer the same rewards programs. If you're looking for cash back or free travel, make sure you understand how the rewards are calculated, if they expire, and how they can be used.

TopConsumerReviews.com has reviewed and ranked the best business credit cards available today. We hope these reviews help you find the right business credit card to benefit you and your company!

What Is a Credit Card Finance Charge and How Can I Avoid Paying It

Finance charge simply refers to the interest that you are charged on a debt that you owe, and is generally used in the context of credit card debt. A finance charge is calculated using your annual percentage rate, or APR, along with the amount of money you ...

Published:  Thu, 21 Sep 2017 09:17:00 GMT



'Small number' of RBC credit card holders affected in Equifax breach, bank says

TORONTO -- RBC says "a small number" of its credit-card clients' personal information may have been affected in the massive Equifax security breach. Bank spokesperson A.J. Goodman said in an email that RBC has not yet identified any impact to clients and ...

Published:  Thu, 21 Sep 2017 14:55:00 GMT



Top 6 Reasons Why You Need a Small Business Credit Card

We live in a cashless society in which debit and credit cards rule. When was the last time you paid for goods or services with cash or even a check It's probably been awhile. As important as it is to have access to credit as a consumer, it's even more ...

Published:  Tue, 19 Sep 2017 04:59:00 GMT



Equifax Hack: What are credit card companies doing to help

And while Equifax has been scrambling to help consumers feel more secure, the big question is-what are major credit card companies doing to make their consumers feel at ease Continue Reading Below FOX Business reached out to some of the major credit ...

Published:  Fri, 15 Sep 2017 10:28:00 GMT



What to do if hackers accessed your credit card data in the Equifax breach

The Better Business Bureau serving the fall line corridor offers up the following suggestions for consumers concerned that their credit or debit cards may have been compromised by a data breach. Stay calm. Consumers are not liable for fraudulent charges on ...

Published:  Mon, 18 Sep 2017 08:54:00 GMT



The Blue Businessâ„  Plus Credit Card from American Express Review

DoughRoller receives compensation from some companies issuing financial products, like credit cards and bank accounts, that appear on this site. Unless a post is clearly marked "Sponsored", however, products mentioned in editorial articles and reviews are ...

Published:  Tue, 12 Sep 2017 17:54:00 GMT



Getting smart about credit card access

If you're an entrepreneur who just received their first business card credit, welcome aboard. You stand among the 67 percent of businesses that use a credit card for work-related expenses. Now you're keeping business expenses separate from your ...

Published:  Tue, 12 Sep 2017 07:30:00 GMT



When It's OK to Have Credit Card Debt

Credit card companies aren't in the business of giving indefinite interest-free loans. While some credit card companies make money on each transaction consumers make with their cards, the real money is in fees and interest. Smart consumers avoid paying ...

Published:  Sat, 09 Sep 2017 07:04:00 GMT



This Emerging Credit Card Trend Could Hit Your Wallet

That's how they make money, that's a business model. But looking at it, knowing that people do spend on average, 18% more on credit than they do with debt or cash, and also that the spending requirements for these premier credit cards are many times ...

Published:  Sun, 10 Sep 2017 13:31:00 GMT



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