Today’s Top 6 Business Credit Cards

Photo (cc) by rutlo

America is a land of small business owners, from the guy who fixes your roof to the couple who owns your favorite restaurant to the retiree who resells stuff on eBay. As their work grows, these entrepreneurs often look for a business credit or charge card to separate their company’s purchases from their household spending.

When the credit card reform bill became law in 2009, it was against the objections of the banking industry. One exclusion the banking lobby successfully had inserted into the law that ultimately became the CARD Act was business credit cards.

According to a study by the Pew Foundation, most business credit and charge cards still reserve the right to change their interest rates at any time and assess penalty interest rates and fees in excess of what the law would allow in the consumer market. Yet consumers are still exposed to these risks – because they’re often personally responsible for their business card accounts.

Although there are downsides to using a business card, there are still some excellent products being offered…

1. Delta Platinum and Reserve business cards from American Express

Delta just announced it’s adding priority boarding and discounted on-board purchases to the already impressive array of perks these cards offer. Both of these cards already include checked bag fee waivers, annual companion certificate awards, and opportunities to earn miles that count toward elite status. The Reserve card adds lounge access and upgrade priority over others.

2. CitiBusiness World MasterCard

While many business card holders are sole proprietors, this card’s features are ideal for those who have a staff. Cardholders can receive multiple cards for authorized employees, and they can set individual spending limits for each card. Quarterly and annual summaries are also provided – which will make your accountant smile.

3. Southwest Airlines Rapid Rewards Premier Business Card

Many business travelers pay extraordinary fares for last-minute, short-distance flights – yet they earn far fewer miles than long-haul leisure travelers on discount fares. Southwest’s new Rapid Rewards program breaks that paradox by offering reward points based on dollars spent, not miles flown. Redemptions work the same way, with inexpensive flights requiring fewer points. Not only does Southwest’s co-branded business card work great with this program, but it offers the same $830 worth of points as the consumer version – which recently made our list of The 5 Best Credit Card Sign-Up Bonuses.

4. Ink from Chase

Like consumers, businesses should always pay their balances in full to avoid interest. Yet it can make sense for some businesses to carry a balance in order to make necessary purchases while they await payment. Chase’s Ink Classic and Ink Cash cards are eligible for their Blueprint program, which allows account holders to avoid some interest by paying certain charges in full while revolving others.

5. Capital One Preferred No Hassle Miles

Many cards let you earn more rewards when your purchases fit within one of many rotating categories. This card actually lets you choose which types of merchants will qualify for their 3-percent cash-back rewards. Unlike consumers whose spending will touch many categories, a business is likely to concentrate its purchases in a few specific areas. Finally, this card is ideal for international travelers, since Capital One charges no foreign transaction fees.

6. Starwood Preferred Guest Card from American Express

This is the Swiss army knife of business travel cards. Customers earn points from the Starwood hotel chain – which includes Westin and Sheraton, among other brands. These points can then be used for awards at any of their hotels with no blackout dates or capacity restrictions. Also, points can be transferred to frequent flyer miles at more than 30 different airlines.

You can learn more about these cards and others by using the Money Talks News credit card search tool, which objectively allows you to shop for the best rewards and interest rates.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
Here’s the Average Retirement Age in Your State
Here’s the Average Retirement Age in Your State

Are you on track to retire at the same age as most residents of your state?

Stop Buying These 19 Things Online
Stop Buying These 19 Things Online

The internet has changed how we shop. But for some things, you’re still better off buying the old-fashioned way.

Why Cutting the Cord Can Be Confusing — and How to Decide If It’s for You
Why Cutting the Cord Can Be Confusing — and How to Decide If It’s for You

Streaming TV might sound like the antidote to sky-high cable bills, but cutting the cord is easier said than done.

8 Surprising Things No One Tells You About Retirement
8 Surprising Things No One Tells You About Retirement

Knowing what to expect can help you prepare for — and adjust to — life in your golden years.

33 Home Upgrades That Cost Less Than $100
33 Home Upgrades That Cost Less Than $100

A little money goes a long way with these imaginative projects. You can do most of them yourself.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

How to Buy Gas At Costco Without a Membership
How to Buy Gas At Costco Without a Membership

The warehouse club often has some of the cheapest gas in town. Here’s how you can get it as a nonmember.

10 Things to Stop Buying If You Want a Clutter-Free Home
10 Things to Stop Buying If You Want a Clutter-Free Home

If you like to keep things simple, avoid these purchases.

A Simple Way to Silence Robocalls Today
A Simple Way to Silence Robocalls Today

A few steps can keep your phone from ringing when a spammer calls.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

This iconic dinnerware is prized for everyday use as well as reselling for profit.

This Company Makes the Best Tires in America
This Company Makes the Best Tires in America

Driver satisfaction with tires is at an all-time high, but one brand stands out.

7 Home Improvements That Cost a Lot More in 2021
7 Home Improvements That Cost a Lot More in 2021

These projects will take a bigger bite out of your budget than in the recent past.

This Health Issue Can Hint at Dementia Years in Advance
This Health Issue Can Hint at Dementia Years in Advance

One type of pain is especially associated with cognitive decline.

Can I Switch to Spousal Social Security Benefits When My Ex Dies?
Can I Switch to Spousal Social Security Benefits When My Ex Dies?

Knowing when to claim can help you maximize benefits.

Medicare Will Not Cover These 6 Medical Costs
Medicare Will Not Cover These 6 Medical Costs

Don’t let these health care expenses catch you off guard in retirement.

Beware This Hidden Ingredient in Rotisserie Chicken
Beware This Hidden Ingredient in Rotisserie Chicken

Something foul may lurk in those delicious, ready-to-eat birds.

8 Things You Should Always Buy on Amazon
8 Things You Should Always Buy on Amazon

The giant retailer shines when it comes to these things, from basics to hard-to-find specialty goods.

5 Ways to Get Amazon Prime for Free
5 Ways to Get Amazon Prime for Free

Hesitant to drop $119 a year on an Amazon Prime membership? Here’s how to get it for free.

5 Ways to Fill Your Pantry With Free Food
5 Ways to Fill Your Pantry With Free Food

Anyone can take advantage of these resources.

Never Buy These 10 Things on Amazon
Never Buy These 10 Things on Amazon

Just because you can purchase something on Amazon doesn’t mean that you should.

7 Big Purchases You Should Never Make
7 Big Purchases You Should Never Make

Sometimes a big-ticket purchase is nothing more than a big waste of money.

5 States With the Worst Health Care for Retirees
5 States With the Worst Health Care for Retirees

All of these states are located in the same region of the nation.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

5 Products You Should Never Buy Generic
5 Products You Should Never Buy Generic

Sometimes the brand-name version is clearly superior.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.