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2019

Business Credit Card Reviews

What are the best Business Credit Cards? Credit cards designed specifically for business owners are a convenient way to separate company and personal expenses, while delivering some pretty impressive perks. From cash rewards and sign-on bonuses to tools for tracking tax-deductible expenses and much more, these credit cards are definitely worth considering if you're one of the millions of Americans who own your own business.

The Best Business Credit Cards

 

Business Credit Cards

Office supplies, vendor purchases, website plugins, and so much more: it can feel like the expenses of running your business are endless, right? Here's the good news: with a business credit card, you can earn money back on all of those expenses. And we all love free money!

Whether you're a sole proprietor, an LLC owner, or running an incorporated business, you've got a wealth of options when it comes to business credit cards. Ready to find out how you can make this financial tool work for you?

 

Perks of Business Credit Cards

One of the best reasons for getting a business credit card is the rewards. Want to rack up extra frequent flyer miles on all of your purchases? There's a card for that. Prefer to get cold, hard cash back on all of your expenses? You guessed it - there's a card for that too. Or maybe you'd rather have some flexibility, using your rewards for free airline tickets one month, gift cards the next, and a statement credit at the end of the year? Also possible with many business credit cards.

But, don't just grab the first card that catches your attention. Why? You'll want to look for sign-up bonuses before you decide. For example, a business credit card may give you 80,000 bonus points (worth around $1000) if you spend at least $5000 in the first three months of using the card. Of course, if you're not willing - or able - to spend that much on a single card within that timeframe, you should look for a sign-up bonus with a lower spend requirement.

Finally, most business credit card issuers want you to be successful, so they offer a range of tools to help you manage your spending. From tracking your budget and expenses to summarizing your eligible tax deductions and more, you'll find that a business credit card can be a useful and profitable resource.

 

Downsides of Business Credit Cards

While business credit cards come with some fantastic perks, there are a few things to understand about how they work.

First, if your name is on the card as the account holder, you'll be held personally responsible for any debt carried on that card. That's a big difference from a traditional corporate card, where the business itself is responsible for its users' charges. But, you won't usually have access to a corporate card unless you've got a well-established business credit profile. Just be sure not to get in over your head with business expenses when using your card, and you'll be fine.

Also, some business credit cards charge an annual fee. These fees can range from under $100 to almost $600 per year. You'll want to analyze the benefits you get from the business credit card you choose, to see if it's worth paying those fees every year. Those annual fees may also be deductible as a business expense, but consult with your tax professional to be sure.

 

Selecting a Business Credit Card

So, you're ready to choose the perfect credit card for your business. What should you keep in mind as you shop around? Keep these criteria in mind:

  • Rewards and Bonuses. How are any rewards structured? Are they useful for you and/or your business? You don't want a frequent flyer/miles card if travel isn't your thing. Are there any offers for extra miles/points/cash for signing up? Do those offers come with a minimum spend in a certain period of time, and can you reasonably meet that requirement? Are the rewards flexible (points, cash, miles)?
  • Interest Rates. If you're not planning on paying off your balance every month, you need to know how much you'll spend in interest. With some APRs as high as 25%, you might negate any rewards you receive if you're paying high interest rates.
  • Annual Fees. Many business credit cards have no annual fees. But, some may offer the first year with no fee and then charge one in subsequent years - sometimes as much as $600 per year. Carefully weigh the value of the benefits the credit card offers before choosing one with high fees.

The Best Business Credit Cards

TopConsumerReviews.com has partnered with Lending Tree to help you find the best business credit cards currently being offered. We hope this information will help you choose the credit card that will help your business grow!

 

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Published:  Mon, 24 Jun 2019 08:08:00 GMT



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Published:  Mon, 24 Jun 2019 23:15:00 GMT



Small-business credit card provider Clover Network expanding in Colorado Springs

Clover Network, the small-business payment processing arm of credit card giant First Data, plans to more than double the size of its technology operation in Colorado Springs to 125 employees by ...

Published:  Tue, 25 Jun 2019 15:53:00 GMT



Citi makes sweeping changes to its credit-card rewards programs

... to apply the points to the purchase - the statement credit will be processed within two to three business days. Also see: This is one credit-card rewards program you may want to skip The new ...

Published:  Tue, 25 Jun 2019 09:53:00 GMT



Credit cards stolen from ALS non-profit linked to Steve Gleason foundation: JPSO

The suspects in the case were recorded by business surveillance cameras using fraudulently using Answer ALS credit cards to buy thousands of dollars worth of merchandise from several local stores on ...

Published:  Tue, 25 Jun 2019 13:47:00 GMT



New Southwest Airlines Business Credit Card With 80,000 Point Sign-Up Bonus

Southwest Airlines already fields some of the most popular travel rewards credit cards in the U.S., but today, the airline has launched a new business credit card along with Chase. The new Southwest ...

Published:  Thu, 20 Jun 2019 10:41:00 GMT



5 credit cards that can help you save even more at Costco, no matter what you buy

But with the right credit cards, there are ways to save even more ... We operate independently from our advertising sales team. Business Insider may receive a commission from The Points Guy Affiliate ...

Published:  Mon, 24 Jun 2019 10:27:00 GMT



The advantages & disadvantages of accepting credit cards at your small business

Imagine that a customer is purchasing some goods or services from your small business. You tell them their total-whether it means ringing up their items or sending an invoice-and then ask how they'll ...

Published:  Thu, 13 Jun 2019 02:45:00 GMT



Thief Breaks Into Locker, Car, Steals Credit Cards: Romeoville PD

Unknown person(s) broke into a locker at the business and took credit cards. The victim's vehicle was also accessed and credit cards were taken from the auto. The credit cards were also used at ...

Published:  Mon, 24 Jun 2019 09:19:00 GMT



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