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If you are a business owner, you know how important it is to have a reliable and rewarding credit card. A good credit card can help you manage your cash flow, earn rewards for your spending, and save money on fees and interest. But with so many options available, how do you choose the best one for your needs?

In this article, we will compare seven of the best credit cards for business in 2024, based on their features, rewards programs, fees and rates, pros and cons, and reasons to get or not to get them. We will also give you some tips on how to use them wisely and responsibly.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is a simple and flexible card that offers 2X Membership Rewards® points on all purchases up to $50,000 per year, and 1X points thereafter. You can use your points to redeem for travel, gift cards, merchandise, or statement credits. You can also transfer your points to over 20 airline and hotel partners.

The card has no annual fee and a 0% introductory APR on purchases for 12 months from account opening, then a variable APR of 18.24% - 26.24% (See Rates & Fees). You can also enjoy benefits such as purchase protection, extended warranty, car rental loss and damage insurance, and access to Amex Offers.

Capital on Tap Business Credit Card

The Capital on Tap Business Credit Card is a unique card that offers unlimited 1% cash back on all purchases, or up to 10X Avios points on select categories. You can choose between two plans: the Classic plan with no annual fee and a variable APR of 9.99% - 34.99%, or the Rewards plan with an annual fee of $199. The Rewards plan also offers a welcome bonus of 10,000 Avios points after spending $5,000 in the first three months.

The card has no foreign transaction fees and no credit check required. You can also get up to 15 free supplementary cards for your employees or partners. The card is issued by WebBank and runs on the Mastercard network.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card is a premium card that offers 3X points on the first $150,000 spent in combined purchases each account anniversary year on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines. You also earn 1X point per dollar on all other purchases.

You can redeem your points for travel through Chase Ultimate Rewards®, where they are worth

25% more than their face value. You can also transfer your points to over a dozen airline and hotel partners at a 1:1 ratio.

The card has an annual fee of $95 and a variable APR of 21.24% - 26.24%. You can also enjoy benefits such as cell phone protection, trip cancellation and interruption insurance, purchase protection, extended warranty, and access to Chase Offers.

The card also offers a generous welcome bonus of 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s worth $1,250 toward travel when you redeem through Chase Ultimate Rewards®.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a cash back card that offers 3% cash back on eligible gas station, office supply store and cell phone/service provider purchases, and 1% cash back on all other eligible purchases. You can redeem your cash back as a statement credit or deposit into your U.S. Bank business checking or savings account.

The card has no annual fee and a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.74% - 26.74%. You can also enjoy benefits such as cell phone protection, car rental insurance, purchase assurance, extended warranty, and access to Mastercard Easy Savings®.

The card also offers a welcome bonus of $500 cash back after you spend $4,500 in eligible net purchases within the first 150 days of account opening.

IHG One Rewards Premier Business Credit Card

The IHG One Rewards Premier Business Credit Card is a hotel co-branded card that offers 26X points per $1 spent at IHG Hotels & Resorts worldwide; 2X points per $1 spent at gas stations, office supply stores and restaurants; and 1X point per $1 spent on all other purchases. You can use your points to redeem for free nights at over 5,900 IHG hotels worldwide, or transfer them to over 40 airline partners.

The card has an annual fee of $89 and a variable APR of 21.49% - 28.49%. You can also enjoy benefits such as an anniversary free night certificate valid at hotels with a redemption level up to 40,000 points; automatic Platinum Elite status; fourth reward night free when you redeem points for any stay of 4-nights; Global Entry or TSA Pre✓® Fee Credit; and access to IHG One Rewards Traveler Credit Card.

The card also offers a welcome bonus of 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card is an airline co-branded card that offers 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases; 2X AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; and 1X AAdvantage® mile for every $1 spent on other purchases. You can use your miles to redeem for flights on American Airlines or its partner airlines, or for other travel rewards.

The card has an annual fee of $99, waived for first 12 months and a variable APR of 20.99% - 29.99%. You can also enjoy benefits such as first checked bag free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation; preferred boarding on American Airlines flights; 25% savings on inflight purchases of food and beverages on American Airlines flights when you use your card; and access to American Airlines Reduced Mileage Awards.

The card also offers a welcome bonus of 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Smart Strategies for Maximizing Business Credit Card Benefits

1. Implement personalized spending limits for your employees, empowering you to effectively monitor and manage their card usage. By doing so, you can maintain better control over expenses while ensuring transparency within your organization.
2. Keep your business credit card exclusively reserved for business-related expenses, avoiding any mixture with personal transactions. This clear separation helps maintain financial clarity and simplifies expense tracking.
3. Utilize your business credit card strategically to establish a strong credit history for your company. Timely payments and maintaining a low balance are key factors in building your business credit profile, which can unlock future financing opportunities.
4. Enjoy the benefit of deducting interest and annual fees from your business taxes, as they are considered legitimate business expenses. This can help optimize your tax deductions and reduce your overall tax liability.
5. Leverage your card statements as a reliable reference for identifying business deductions, particularly for expenses like travel. Keeping track of your business-related expenses through your card statements simplifies the process of claiming deductions during tax season.
6. If your business requires the flexibility to make significant purchases, consider opting for a card with no preset spending limit. This feature allows you the freedom to accommodate larger transactions while managing your cash flow effectively.
7. Tailor the redemption of your rewards based on your business requirements. Whether you choose to transfer rewards to travel partners, redeem them for cash back, or opt for gift cards, select the option that best aligns with your business needs and objectives.

Conclusion

Choosing the best credit card for your business depends on your spending habits, preferences, and goals. There is no one-size-fits-all solution, but rather a range of options that cater to different needs and situations. The seven cards we reviewed in this article are some of the best ones available in 2024, but they are not the only ones. You should compare them carefully and consider their features, rewards programs, fees and rates, pros and cons, and reasons to get or not to get them before making your decision.

For Rates & Fees of:
- The Blue Business® Plus Credit Card from American Express Click Here

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.  Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

To find all the details about the terms and conditions of an offer, check the online credit card application. We put a lot of effort to present you accurate and up-to-date information; however, we do not guarantee the accuracy of all credit card information presented.

Editorial Disclosure: All reviews/opinions expressed here are author's alone, and have not been reviewed, approved, or otherwise endorsed by any advertiser included within our content. The information presented on this page is accurate as of the posting date; however, some of the offers mentioned below may have expired. Check the issuer's website for the most recent information.

Advertiser Disclosure: SuperOffers.com has partnered with various providers to offer a wide range of credit card products on our website. Both our website and our partners may receive commissions from card issuers. As part of an affiliate sales network, SuperOffers.com receives compensation for directing traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

The responses below are not provided, commissioned, reviewed, approved, or otherwise endorsed by any financial entity or advertiser. It is not the advertiser’s responsibility to ensure all posts and/or questions are answered.