Business Credit Cards

Guide To Finding The Best Business Credit Cards For 2019

We are committed to finding you the best credit cards of 2019 not matter if you’re a big or small business, struggling with cash or drowning in cash. When running a business you need access to credit.
That’s why we’ve taken the time to find specialized business credit cards which, won’t only save you money but will help fund your next purchase. Want to know the best part?


We will provide you with foolproof steps to ensure you pick the best business credit card for you. Making sure you make some big savings! Let’s take a look at our top picks.

Credit Cards For Start-up Business Owners

Ink Business Cash Credit Card

You will need a good credit rating to land this card which, we understand can be hard when starting a business. But, if you land it you can expect some excellent rewards. With 5% cash back bonuses on the first $25,000 spent on office supplies, phone services and more, you can expect some great savings. It also offers $500 cash back on the first $3,000 spent within 3 months of opening the account. If you plan on spending more than $25,000 per year then this might not be a great choice for you. Once you go over that you get capped to 1%.

Benefits
• 5% cash back on office supplies and more
• No annual fee
• 2% cash back at gas stations and restaurants
• 1% cash back on all purchases
• 0% APR for the first 12 months
• $500 sign-up bonus
• Employee cards at no additional cost

Capital One Spark Classic for Business

Unlike the Ink Business cash credit card, you can apply for this even if you have don’t have a great credit rating. This gives you a better chance of being accepted. You even get the chance to gain some rewards unlike the other credit cards designed for people with bad credit. Reward-wise you can look forward to the 1% cash back bonus for every dollar you spend, completely uncapped. Another nice touch is the 15% discount you can receive from Visa SavingEdge which you use at hotel chains, restaurants and more.
With no annual fee and no foreign transaction fee, this card can be free to use as long you take care. This is a great card if you’re planning on building your business credit.
Benefits
• No annual fee
• Helps build business credit
• No foreign transaction fee
• Employee cards at no extra cost
• 1% uncapped cash back on all purchases

Small Business Credit Cards For Corporations And Business Executives

American Express Business Gold Card
Now, this card comes with a $295 annual fee but, we think the rewards can far outweigh the fee.
You can earn a 4 times membership reward points on two selected categories where your business has spent the most on that month. This only applies for the first $150,000 spent in a calendar year. The best thing about it is that it works it all out for you. Now you can only earn this bonus within the 6 categories which include: purchasing airline tickets directly from the airline, U.S. gas purchases, U.S restaurants and more.

For all other spending, you can expect a 1 point per dollar spent on all other purchases.
Benefits

• 4x membership bonus
• Add employee cards with no extra cost
• Airline bonus 25% points back if you use your points with Amex Travel
• 1-year free subscription to G Suite and ZipRecruiter with a value of $3,188

The Platinum Card From American Express

So, we understand that an annual fee of $550 might seem a lot to most people but, we’re going to give you the reasons it isn’t.
To start with you can earn a massive 60,000 membership rewards after you spend your first $5,000 within the first 3 months. But it gets better:

You can expect a massive 5x membership reward points on flights but, you need to book directly with the airline, or via American express travel. Another nice touch is the same bonus on all hotels booked with AmexTravel.
While traveling through airports you can enjoy access to the global lounge collections all over the world. These include Centurion Lounges, Priority Pass Lounges, and Delta Sky Clubs.

A nice touch is the $200 Uber VIP credit which could be used to transfer between airports and hotels. If you’re not a business executive that travels or likes luxury perks, this isn’t for you.

Benefits
• Free Uber VIP for up to $15 per month
• 5x membership rewards on flights and hotels
• Complimentary benefits with fine hotels and resorts
• $200 airline fee credit, to use on baggage etc
• Access to over 1,000 airport lounges

Small Business Credit Cards If Your Business Has Cash Flow Problems

Wells Fargo Business Secured

We understand that having cash flow problems may mean you have a bad credit rating. So we’ve found a card that you can you use to get some cash flowing back into your business.
With this card, you can earn 1.5% cash back bonuses for every $1 you spend on all purchases.
If you’re not looking for a cash back bonus you can opt for the reward point option. With this, you earn 1 point for every $1 spent and, receive a bonus 1,000 points for every $1,000 spent in a month.

This card will cost an annual fee of $25 per credit card and, you can add up to 10 employee cards to the account.
Benefits
• Helps jump start your business
• Builds credit rating
• Cashback or point rewards
• No foreign transaction fee
• Up to 10 business cards
• Spending reports available online

Bank of America Business Advantage Cash Rewards MasterCard

Now if you don’t have a bad credit rating and you’re just looking to get some quick cash into the business this will work for you. Not only that but it has some great benefits.
You don’t have to pay a cent for this card, which is obviously a bonus. You can also expect a 0% introductory on purchases for the first 9 billing cycles.

Read More In-Depth Reviews For Over 100 Cards and Find The Best Small Business Card for 2019

The reward system is pretty tasty too, with 3% cash back on purchases at gas stations and office supplies up to $250,000. You also get 2% cash back when out at a restaurant, and 1% on all other purchases.
There are varying ways of claiming your rewards, for instance, you can opt for statement credit, a check or cash deposited into your bank account.

Benefits
• A great introduction APR system
• No annual fee
• Great rewards
• Business advantage rewards of 25%
• A low-interest rate

Small Business Credit Cards That Offer The Best Points, Rewards, Cash Back Bonuses

Capital One Spark Cash for Business

For the annual fee of $95, you can earn yourself some great cash back bonuses which could mean thousands going back into the business. The best thing is the first year is free.
You get an introduction bonus of $500 when you spend $5,000 within the first 3 months of opening the account. On top of this if you spend $50,000 within the first 6 months you can get $1,500 back. That’s $2,000 cash back within 6 months.
That’s not even the best bit, you get 2% cash back on all purchases which are completely uncapped. The rewards will not expire so you can enjoy the benefits for the life of the account.

It’s a great card if your spending habits vary as there are not specific categories that will limit your rewards.
Benefits
• Great sign-up bonuses up to $2,000
• First year free for the annual fee
• 2% cash back on all purchases
• Employee cards at no extra cost
• Rewards do not expire for the life of the account
• No spending categories
• No foreign transaction fee

Capital One Spark Miles For Business Air Miles

Capital One really does win the top trumps when it comes to rewards, this one is for the traveling business. The card will cost you $95 per year but, again its free for the first year.
Within 3 months you can earn yourself a bonus 50,000 air miles when you spend $5,000. This goes up when you spend $50,000 within the first 6 months of opening the account. That works out as 200,000 air miles which is massive. The best thing is these will not expire. For every $1 spent on the account, you will earn yourself 2 miles, these miles can be exchanged for travel, cash and more.

The great thing is there’s no foreign transaction fee while travelling, and the points can be used on any airline.

Benefits

• Up to 200,000 miles signup bonus
• The first year free
• No limit on rewards earned
• No foreign transaction fee
• 2 miles gained for every $1 spent
• Miles can be redeemed for cash, gift vouchers and more
• Miles do not expire for the life of the account
• Use miles on any airline with no restrictions

How To Select The Right Business Credit Card For You in 2019

With so many business credit cards available it can be a nightmare to find which one will work for you. Luckily we have four easy steps to guide you on your way. If you follow these steps finding a credit card couldn’t be easier.
1. Check your credit score – This is the first thing you should do before applying for credit. All credit cards will require a running a credit check, but here’s the kicker:

The best credit cards are designed for people with a good to excellent credit score, this can make it difficult to get approved.

Luckily we thought about this and, gave you some options for businesses with a bad credit.

2. Have a look at your spending habits – knowing this will give you an advantage. You might be asking why?

Well simply it will decide which reward categories are going to work best for you, so you can make the most of it. Not only this but, you can decide whether you go for the big cash sign up bonuses.

Alternatively, you might want to choose the 0% APR, this option is for people that plan on carrying a balance month to month.

3. Choose your rewards – Many cards offer some great rewards, the problem is these might not match your spending habits.

For example, if you don’t work in an office then, a 5% cash back bonus on office stationery probably isn’t for you.

Again if you travel a lot for business, then a credit card that offers points on travel and hotel rooms will benefit you greatly.

Knowing how you want your credit card to perform before you start applying will help you to find the best one.

4. Take a look at the benefits – This could help seal the deal between choosing between two cards. Here’s the deal:

Many cards will have similar rewards, but the benefits can be very different. You find that some will give you cover on items that get lost, damaged or stolen.

Some will cover items up to $10,000 per claim. Not bad if you’re shipping high-value items.

Still Searching For More Top Rated Small Business Cards, See A Side by Side Comparison Here

Alternatively, if you spend a lot of time traveling. A credit card that grants you access to the premium lounges or hotel to airport transfers might make you feel at ease. There is our complete review to help guide you into 2019 and make some massive savings, follow our foolproof steps and pick the card that’s right for you.

To summarize if you’re looking for some massive savings the Capital One cards offer some amazing rewards. Remember with any credit card you need to use it responsibly if you want to get the best out of it. We hope this guide helps you to find the best business credit card for your company, and employees.

InnovativeFinance.org is committed to helping find the best small business credit cards for 2019. Our staff of writers is searching for a daily basis the top card offers for cash back, rewards, travel and zero percent offers to help consumers save money and lock in great promotional offers.

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