The Best Business Credit Cards for You

PLUS: No more Robocalls?

Author

Cashflow Chronicles
February 02, 2024

Hey Cashflowers,

Finding which credit card is best for your business can be easy for some, but hard for others. So, this week we’ve put together a list of the best-rated business credit cards.

The best business credit cards offer rich ongoing rewards and business. Consider where your business spends the most — telecom, advertising, travel, etc. — as you compare business cards that offer flat-rate cash back or travel points to those with higher rewards for certain categories.

Most cards don’t need a business credit score, formalized business structure, or even business revenue. Even freelancers and folks with an occasional side gig can qualify for most of these.

Here are our picks for the best small-business credit cards, which include top options from Chase, Capital One, and American Express.

Let’s dive in!

No Annual Fees

Ink Business Unlimited - Earn $750 back in your first 3 months, plus 1.5% cash back on every purchase, with 5% on special purchases quarterly (link)

AE Blue Business Cash Card - We know that’s a lot, but so are the details: Earn $250 statement credit within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. This card also brings 2% cash back on all purchases (link)

Ink Business Cash - 5% cash back on all business purchases up to $25,000. Now that would help your business! (link)

AE Blue Business Plus - get 15,000 points upon signing up plus 1-2% cashback on all purchases. Points are also doubled for the first 6 months of card membership (link)

Comes with Annual Fees

Capital One Spark Cash Plus - Upon sign up earn up to a $3,000 cash bonus. You can also earn unlimited 2% cash back and enjoy purchasing power that adapts to your business with no preset spending limit. Perfect to adapt to your business, and annual fees are only $150 (link)

Venture X business - The card for people who travel. Earn double miles on every purchase, earn up to 300,000 miles upon sign-up, and receive a $300 travel credit each year when using the card. If you travel for business often, this is the card for you. Annual fees are $395 (link)

Ink Business Preferred - Annual fees are only $95 with this card. Earn up to 3x points plus 100,000 potential points in the first year based on your spending (link)

With that, Until next time Cashflowers

Cheers!

Cashflow Chronicles

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