Guide to Business Credit Cards And Credit Cards For Small Businesses

In the life of virtually every business, there comes a time to decide which business credit card is best suited for your particular situation. Whether you are just starting out, it is time to expand, or you want to earn rewards on purchases, there are several business credit cards that may help you to efficiently track and maximize your return on spending.

If your business is young, you may find yourself using personal funds to help jump-start your costs. This can create an accounting nightmare and can be thwarted by applying for a business credit card that allows you to either pay your balance in full every month or carry a revolving balance. In addition to paying over time, several of these cards have reward programs attached to them as well where you may earn either cashback on purchases or points toward travel/merchandise. You may also select a card with a 0% introductory term. These business credit cards are also available online with secure applications. You may compare and apply for business credit cards on comparison websites such as www.topcreditcenter.com.

If you have a well-established business and are looking to maximize your return on spending, business charge cards are a useful tool. With business charge cards, you are required to pay your balance in full at the end of every month. Most carry an annual fee, but in several cases, this is waived for the first year. The advantage to business charge cards is that they typically come with no pre-set spending limit and better rewards programs. American Express is one of the more prominent issuers of such cards. Their flagship offer, the American Express Business Gold Rewards Card , offers your first year free, no finance charges, and enrollment in the Membership Rewards Program. In this program, you may earn 1 point for every dollar spent. These points may then be redeemed for airline tickets, hotel stays, merchandise, gift cards, or gift certificates.

Whatever your situation may be, it is important to realize you have options available. Below are several different credit cards available online for small business owners.

Cash Back Rewards Business Credit Cards:

Chase Business Rebate Card - Cash Back Credit Card
-0% APR up to 12 months on purchases and balance transfers.
-No Annual Fee
-3% Cash Back for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores.
-Earn 1% Cash Back elsewhere

Discover Business Card - Cash Back Credit Card
-0% Intro APR on Balance Transfers and Card Purchases for 12 months.
-No annual fee.
-5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases.
-Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards.

Blue Cash For Business - Cash Back Credit Card
-Up to 5% Cash Back. There's no limit on the cash back you can earn.
-Earn cash rewards on purchases made by Additional Cardholders.
-0% Intro APR for 6 months.
-No annual fee.
-Option to pay over time or pay in full.
-OPEN Savings: Automatic discounts with FedEx, Delta, Courtyard by Marriott, and more.

Business Charge Cards With Rewards:

Business Gold Rewards Card From American Express
-Earn up to 100,000 points or more in the first year.
-Fee-free for the first year - a savings of $125
-No pre-set spending limit and no finance charges.
-Discounts with FedEx, Delta, Courtyard by Marriott, and more.
-Automatic Complimentary enrollment in the Membership Rewards program.
-Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees.

Business Green Rewards Card From American Express
-Receive 5,000 bonus points to start.
-Fee-free for the first year - a $95 savings.
-No preset spending limit or finance charges.
-Earn One Membership Reward point for virtually every dollar you spend.
-Discounts with FedEx, Delta, Courtyard by Marriott, and more.
-Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees.

Frequent Flyer Business Credit Cards

United Mileage Plus Platinum
-17,500 Bonus Miles.
-One-way, 1,000 mile, One-class Upgrade Certificate.
-$25 United Discount Travel Certificate after first purchase.
-2 miles for every dollar spent on United purchases - up to an annual cap of 150,000 miles.
-1 mile for every dollar spent on all other purchases.
-Visa Platinum Business Card Benefits.

JetBlue Business
-25 TrueBlue points, worth 1/4 of a free flight, after your first purchase. As a Cardmember, your TrueBlue points don’t expire.
-Double Award Dollars on JetBlue purchases, gas, wireless phone charges, and other business needs.
-$50 statement credit after your first purchase.
-% savings on all JetBlue flights purchased directly, using your JetBlue Business Card.
-Automatic discounts at leading merchants through the OPEN Savings program.
-Protection when you travel: Car Rental Loss and Damage Insurance, Baggage Insurance, and more.

Gold Delta SkyMiles
-15,000 Skymiles with your first purchase.
-One Delta mile for virtually every dollar you spend.
-Fee-free for the first year - a savings of $85.
-Unlimited fee-free Additional Cards.
-OPEN Savings: Automatic discounts with FedEx, Delta, Courtyard by Marriott, and more.

It is very important when you use your business credit card to make timely payments. Failure to do so may result in monthly fees and raised annual percentage rates. Using your credit card wisely will ultimately prove to be a fruitful means of monetizing your operational costs.