Best Business Credit Cards

If you are a business owner then you will know the importance of keeping accurate accounts and cash flow issues. A business credit card enables you to track company spending easily and efficiently, not to mention the possible added benefits of using such a card. Many of the business credit cards available at CreditCardsStudio.com have the added incentive of cash back or other valuable rewards for using the card.

APR: N/A*

Intro rate: N/A*

Intro period: N/A*

Grace period: Check Site

Annual fee: $0.00*

Most Popular from Business Credit Cards:

PEX Visa® Prepaid Card For Business

Instantly fund employee purchases.
Gain 24/7 control over where and how much employees spend.
Save money - no surprise interest charges or overdraft fees.
Free Trial Period - No Monthly Fee for at least 2 months after you enroll
No transaction fees
No deposit fees
Cards are personalized with the cardholder's name
The funds on deposit are corporate funds - not employee-owned

The Business Platinum Card® from American Express OPEN

For a limited time: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months
Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
Complimentary airport club access to 600+ partner lounges, a $950/yr value
By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
No pre-set spending limit*

APR: N/A*	Intro rate: N/A*	Intro period: N/A*
Grace period: Check Site	Annual fee: $450.00*

The Plum Card® from American Express OPEN

The Everything, Everywhere Trade Terms Card^sm from American Express OPEN
Pay in full within ten days, get a 1.5% discount
OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
$0 introductory annual fee for the first year, then $185
A powerful cash flow management tool

APR: N/A*	Intro rate: N/A*	Intro period: N/A*
Grace period: Check Site	Annual fee: $0.00 1 year, then $185.00*

PEX Visa® Prepaid Business Card

Instantly Fund Employee Purchases
Gain 24/7 Control Over Where and How Much Employees Spend
Save Money - No Surprise Interest Charges or Overdraft Fees
Monthly Reporting
Worldwide Card Acceptance

APR: %	Intro rate: No Introductory Rate Available	Intro period:
Grace period: Not applicable to this type of card.	Annual fee: $0

Starwood Preferred Guest® Business Credit Card from American Express OPEN

Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
$0 introductory annual fee for the first year, then $65

APR: 15.24-19.24% (Variable)*	Intro rate: N/A*	Intro period: N/A*
Grace period: Check Site	Annual fee: $0.00 1 year, then $65.00*

SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
No annual membership fee

APR: 12.24-19.24% (Variable)*	Intro rate: N/A*	Intro period: N/A*
Grace period: Check Site	Annual fee: $0.00*

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
Check your first bag free - for up to 8 people on your reservation - on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In-Flight Savings
$0 intro annual fee for the first year, then $95
No annual fee for Additional Cards
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

APR: 15.24-19.24% (Variable)*	Intro rate: N/A*	Intro period: N/A*
Grace period: Check Site	Annual fee: $0.00 1 year, then $95.00*

As a business, credit cards have the ability to make or break your financial success. However, in order to be efficient in using your credit card, you must discover which business credit cards are focused on working for businesses. There are several perks of business credit cards today including prepaid cards, no preset spending limit, travel awards, and cash back options for business related spending. Learn more about the benefits of the various business credit cards so you are able to utilize credit cards effectively. By selecting from the best credit cards for businesses, you will be able to capitalize on the convenience and rewards of using credit cards to better serve your cash flow and revenue.

Small Business Credit Cards

As a small business you are always in need of a way to keep your cash flow in flux and a business credit card can be a valuable resource for this purpose. However, a credit card has more uses than just convenience of funds. You can also use business credit cards to increase your credit rating, which for a small business is essential to growth. Not only do you need a positive credit rating to get a bank loan, but many affiliates that you will need to procure resources and supplies from will also use your credit rating to judge your business efficacy. Some companies, such as office supply companies, require a positive credit score in order to provide you with a valuable line of credit.

Another benefit of credit cards for small businesses is the ability to reduce the interest rate on loans. For many businesses that are just in their initial stages, the high price of investing can be a downfall. Therefore it is essential to cut costs wherever possible. If you have a great credit score, this will allow you to receive the lowest interest rate on loans, as you are seen as an asset rather than a risk to the lender. Building a positive financial portfolio from the start of your small business is a must if you dream of growing your business in the future.

Finding a secure business credit card processing service is also a very important aspect of any business.

In order to make the best out of your small business credit card, use the card whenever you are purchasing items for your business. This allows you to keep a fiscal statement of all of your business expenses, which can be of additional use for you when it comes time to file taxes or for developing a financial statement. Also, make sure to pay off the balance on your business credit card each month, if at all possible. Of course, by not paying off your balance each month, you will be charged an interest fee for the unpaid balance.

Before you sign up for any of the many small business credit cards, read the fine print to learn what the interest rate, or APR, and the credit limit will be for the card. Notice whether the interest fee will increase after a few months, such as with credit cards that initially have a super low to zero percent interest fee for an introductory period. Also make a mental note of what your interest rate will increase to if you fail to make at least the minimum monthly payment on time each month or if you dip below your credit limit. Most credit cards will increase your interest rate for at least a couple months to a year in these situations, which can have an adverse effect on your credit score as well.

If you are using your small business credit card to make a substantial investment, such as for a large piece of machinery, you should calculate the anticipated interest charges that you will incur during the time the charge is left on your card and use this information to break down monthly payments that you can afford to pay every month. Make your monthly payment on time just as if you were making a payment to a lender. By including the interest charges in with your monthly payment, you have a realistic idea of exactly how much the credit card charge will cost you overall.

As you shop for the best business credit cards, consider what sort of rewards will benefit your business. Some credit cards offer cash back for business related purchases, such as office supplies, gas, and hotel stays. If you plan to use your business credit card to make such purchases on a regular basis, the cash back benefits can help you to reduce your expenses. Do you have a sales team, offer technical support for your product, or attend a number of out of town meetings? If so, you should look for a credit card for your business that offers traveler’s rewards, such as airfare, cash back on gas, or discounts on lodging.

In conclusion, here are a few final tips to guide you on your search for the perfect business credit card. Look for credit cards that have a low or no annual fee. If the credit card you choose does have an annual fee, evaluate whether the benefits and rewards associated with the card will outweigh the yearly service charge. In some cases they will, as some cards with no annual fee have other strings attached, such as an escalating APR that increases after the first three months of use.
Also whenever you find a business credit card that offers dozens of great rewards and services, consider if you will actually use the benefits for your business. While points for online shopping for office supplies may seem like a great idea, if you normally use a brick and mortar store for these purchases, chances are you’ll continue to use that store even after you get your business credit card. These points will be worthless to you and your business.

If you are interested in a business credit card with cash back rewards, read the fine print so you’ll know which retailers or stores offer the greatest percent of cash back. All in all, by understanding all of the possibilities with business credit cards, you are one step closer to being able to take advantage of the opportunity for growth in your business.