Best Business Credit Cards For Realtors

The Best Small Business Credit Cards for 2021

Hello Friends! Running a small business is never easy, but it can be even more difficult without the right tools. One of the most important tools any business owner can have is a good credit card. Not only does it allow you to separate your personal and business expenses, but it can also earn you rewards and improve your credit.

There are many credit cards out there, each with their own rewards and fees. To help you choose the right one for your business, we’ve compiled a list of the best small business credit cards for 2021. In this article, we’ll go over the perks and drawbacks of each card, so you can make an informed decision.

1. Chase Ink Business Cash

The Chase Ink Business Cash is a great card for small business owners who want to earn cashback on their purchases. With this card, you’ll earn 5% cashback on the first $25,000 spent in combined purchases at office supply stores, internet, cable, and phone services each year. You’ll also earn 2% cashback on the first $25,000 spent in combined purchases at gas stations and restaurants each year, and 1% cashback on all other purchases.

One of the standout features of the Chase Ink Business Cash is its signup bonus. New cardholders can earn $750 cashback after spending $7,500 in the first three months of account opening. It’s a great way to offset some of your business expenses right off the bat.

There are no annual fees with the Chase Ink Business Cash, but there is a foreign transaction fee of 3%.

2. American Express Blue Business Plus

The American Express Blue Business Plus is a great card for business owners who want a simple and straightforward reward program. You’ll earn 2 Membership Rewards points for every dollar spent on all purchases up to $50,000 per year. After that, you’ll earn 1 point per dollar spent.

One of the best features of the American Express Blue Business Plus is that there are no annual fees, so you won’t have to worry about paying extra to keep the card. There are also no fees for foreign transactions.

However, unlike some other cards on this list, the American Express Blue Business Plus doesn’t offer a signup bonus. If you’re looking for immediate rewards, you may want to consider a different card.

3. Capital One Spark Cash for Business

The Capital One Spark Cash for Business is a great choice for business owners who want to earn unlimited cashback rewards. With this card, you’ll earn 2% cashback on all purchases, with no limit to how much you can earn. It’s a great way to earn money back on all your business spending.

One of the standout features of the Capital One Spark Cash for Business is its signup bonus. You can earn a $500 cash bonus when you spend $4,500 in the first three months of account opening. That’s a great way to jumpstart your rewards earnings right off the bat.

The Capital One Spark Cash for Business does have an annual fee of $95, but it’s waived for the first year. There’s also a foreign transaction fee of 3%, so keep that in mind if you plan on using the card for international travel.

4. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard is a great choice for business owners who want a versatile card with good rewards. With this card, you’ll earn 3% cashback on purchases made in a category of your choice, such as gas, office supplies, travel, or dining. You’ll also earn 2% cashback on purchases made at restaurants and 1% cashback on all other purchases.

One of the standout features of the Bank of America Business Advantage Cash Rewards Mastercard is that there’s no annual fee. There’s also a signup bonus of $300 statement credit when you make at least $3,000 in net purchases within 90 days of account opening.

However, the card does have a foreign transaction fee of 3%, so it may not be the best choice if you plan on using it for international travel.

5. CitiBusiness/AAdvantage Platinum Select World Mastercard

The CitiBusiness/AAdvantage Platinum Select World Mastercard is a great choice for business owners who want to earn airline miles for their business expenses. With this card, you’ll earn 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations. You’ll also earn 1 AAdvantage mile for every dollar spent on all other purchases.

One of the standout features of the CitiBusiness/AAdvantage Platinum Select World Mastercard is that you’ll earn a signup bonus of 70,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first four months of account opening. You’ll also get a free checked bag on American Airlines flights for you and up to four companions on the same reservation.

However, the card does have an annual fee of $99, but it’s waived for the first year. There’s also a foreign transaction fee of 3%, so keep that in mind if you plan on using the card for international travel.

6. The Business Platinum Card from American Express

The Business Platinum Card from American Express is a great choice for business owners who want a premium card with high-end perks. With this card, you’ll earn 5 Membership Rewards points per dollar spent on flights and prepaid hotels on amextravel.com. You’ll also earn 1.5 Membership Rewards points per dollar spent on eligible purchases of $5,000 or more, and 1 Membership Rewards point per dollar spent on all other purchases.

One of the standout features of The Business Platinum Card from American Express is its long list of perks. Cardholders get access to over 1,300 airport lounges worldwide, including Centurion Lounge, International American Express Lounges, Delta Sky Club, and Priority Pass Select lounges. You’ll also get a $200 airline fee credit per calendar year, up to $200 in statement credits per year for Dell purchases, and up to $200 in statement credits per year for U.S. advertising purchases on select media. There are also no foreign transaction fees.

However, all of these benefits come with a steep annual fee of $595. If you’re not going to take advantage of the perks, this may not be the right card for you.

7. Discover it Business Card

The Discover it Business Card is a great choice for business owners who want a card with flexible rewards and no annual fees. With this card, you’ll earn 1.5% cashback on all purchases, with no limit to how much you can earn. You’ll also earn 5% cashback in rotating categories, up to $1,500 per quarter, when you activate.

One of the standout features of the Discover it Business Card is that there’s no annual fee. There’s also a rewards match at the end of your first year, where Discover will match all the cashback you’ve earned. It’s a great way to maximize your rewards in the first year.

However, the Discover it Business Card does have a foreign transaction fee of 2%, so keep that in mind if you plan on using the card for international travel.

8. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is a great choice for business owners who want a simple card with no-frills rewards. With this card, you’ll earn 1.5% cashback on all purchases, with no limit to how much you can earn. It’s a straightforward reward program that’s easy to understand.

One of the standout features of the Wells Fargo Business Platinum Credit Card is that there’s no annual fee. There’s also a signup bonus of $300 cashback when you spend $3,000 within the first three months of account opening.

However, the card does have a foreign transaction fee of 3%, so keep that in mind if you plan on using it for international travel.

9. U.S. Bank Business Cash Rewards World Elite Mastercard

The U.S. Bank Business Cash Rewards World Elite Mastercard is a great choice for business owners who want to earn cashback on their purchases. With this card, you’ll earn 3% cashback on purchases made at gas stations, office supply stores, and cell phone providers. You’ll also earn 1% cashback on all other purchases.

One of the standout features of the U.S. Bank Business Cash Rewards World Elite Mastercard is that there’s no annual fee. The card also offers a signup bonus of $500 cashback when you spend $4,500 within the first 150 days of account opening.

However, the U.S. Bank Business Cash Rewards World Elite Mastercard does have a foreign transaction fee of 3%, so keep that in mind if you plan on using it for international travel.

Conclusion

Choosing the right credit card for your small business can be overwhelming, but it’s an important decision that can have a big impact on your bottom line. Each of the cards on this list has its own unique perks and drawbacks, so be sure to consider your business’s spending habits and goals when making your decision.

Remember, the key to making the most of your credit card rewards is to use the card responsibly and pay your balance in full each month. With a little planning and discipline, your small business credit card can become one of your most valuable tools in growing your business.

Happy shopping!

Best Business Credit Cards For Realtors

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