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Aika Anderson

Guide to Choosing the right credit card for your business

Wondering how to choose a good small business credit card?


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Today, small business credit cards come with a variety of features to choose from, and it makes it difficult to choose the best one for your small business. You must consider first what the company will use most often and if they are worth using and having, before applying to a card.


Action Steps
The best contacts and resources to help you get it done

Cash Back Credit Cards


Cash back business credit card rewards you for every spending. For every purchase you make, you will get a cash back or a rebate points. Most business credit card holders choose a cash-back reward card because it's easier to collect points and earn rewards. Cash back business credit cards offer different terms and conditions depending on its issuer.

I recommend: Chase Business Rebate Visa Card

Mileage Credit Cards


Do you or someone in your company often travel for business trips? Then travel reward or miles reward card is perfect for you. Travel rewards have become a very popular business credit card perk. There are Frequent Flyer Miles Programs for frequent travelers, Gas Reward Programs for transportations and fuel discounts.

I recommend: Discover Business Card

Expense Tracking and Bookkeeping


A business credit card offers businesses with a quarterly and yearly summary of their accounts which is a tremendous help with the company's bookkeeping and accounting tasks.

I recommend: CitiBusiness Card

Business Credit Cards for Employees


Most business credit cards will let you give additional cards or extension cards for employees which help a business owner in keeping track of his employee's spending. Employees will avoid having to put business expenses on their personal credit cards.

I recommend: CitiBusiness PremierPassSM Card

No Annual Credit Card Fees


The annual fee is just like a membership fee which members have to pay each year in order to activate the membership of their credit cards. Most business credit cards require an annual fee from its credit card holders. However, there are credit card companies who waive the annual fee to attract more clients.

I recommend: Advanta Platinum BusinessCard

% APR Balance Transfers


Some credit card companies do charge higher APR even though there's no annual fee involved. Thus, even if you do save a significant amount from the free annual fee, you may be paying for a higher rate of interest every time.

I recommend: Blue Cash for Business Credit Card

Tips & Tactics
Helpful advice for making the most of this Guide

  • Before applying for your business credit card, examine carefully the terms and conditions that are stated on the credit card's agreement form.
  • Make sure that you read all the obligations you will have if you'll be approved by a credit card company.
  • If you don't understand the agreements conditions, ask experts for advice.
  • You can consult the customer service of your chosen card online or by phone if you have clarifications
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We all know that one of the best benefits of business credit cards is their reward programs. Reward programs are also categorized based on the rewards it provides.

The Official Website of Chase.

The Official Website of CitiBusiness.

The Official Website of Advanta.

The Official Website of American Express.

The Official Website of Discover.


 Best Sites to Learn MoreBack to top 

Business Credit Card Site provides complete reviews of each card from the largest company so that you may easily compare and find the best business credit card. Also, tips and advice and direct online application for your chosen card.

Do you have a business or planning to start a new one? Worry-free because business credit cards is here to help you all the way.


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Blog on how to build credit for your business effectively.


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