The Best Small Business Credit Cards of 2021
Hello Friends, are you an entrepreneur or a small business owner? If so, you know the importance of having a reliable credit card to help manage your finances. In this article, we will be discussing the best small business credit cards of 2021. With so many options to choose from, it can be overwhelming to decide which card is right for you. But fear not, we have done the research for you and will break down the benefits and features of the top-rated small business credit cards currently available on the market.
1. Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is one of the most popular small business credit cards on the market, and for good reason. It offers a generous sign-up bonus, flexible rewards system, and an array of travel benefits.
The sign-up bonus includes 100,000 bonus points after you spend $15,000 in the first 3 months of account opening. These points can be redeemed for travel, cash back, or gift cards. Additionally, the rewards system allows you to earn 3x points for every $1 spent on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media and search engines.
This card also includes complimentary travel insurance, including trip cancellation/interruption insurance, auto rental collision damage waiver, and travel and emergency assistance. It has an annual fee of $95 but the benefits easily outweigh the cost.
2. American Express Blue Business Cash Card
If you prefer a cash back rewards system, the American Express Blue Business Cash Card may be the right choice for you. This card offers 2% cash back on all purchases up to $50,000 per year and 1% after that. The rewards are automatically credited to your account at the end of each billing cycle, so it’s easy to keep track of your earnings.
This card also offers a 0% introductory APR on purchases for 12 months, making it a great option for businesses that need to make large purchases upfront. After the intro period, the APR will be a variable rate of 13.24% – 19.24%. There is no annual fee for this card, making it a great option for small businesses on a budget.
3. Capital One Spark Cash for Business
Another top-rated cash back credit card is the Capital One Spark Cash for Business. This card offers a flat 2% cash back on all purchases, with no limit on the amount you can earn. You can redeem your cash back for any amount, at any time, and it never expires.
This card also includes exclusive benefits like discounts at participating merchants, extended warranty coverage, and a free employee card. It does have an annual fee of $95 but it is waived for the first year.
4. Brex Corporate Card for Startups
The Brex Corporate Card for Startups is a great option for small businesses that are just starting out. This card offers a variety of benefits, including a no personal guarantee and no credit history check required. It also offers 7x points on rideshare and taxis, 4x on travel booked through Brex, 3x on restaurants, and 2x on recurring software expenses.
This card also includes complimentary travel insurance, purchase protection, and extended warranty coverage. Additionally, it has no annual fee.
5. American Express Plum Card
The American Express Plum Card is a unique option for small businesses that need flexibility in payment terms. This card offers a 1.5% discount when you pay early or pay your balance in full within 10 days of your statement closing date. Alternatively, you can choose to take up to 60 days to pay your balance without interest.
This card also offers a variety of travel benefits, including a Global Assist Hotline and baggage insurance. It has an annual fee of $250, but it is waived for the first year.
There are many small business credit cards to choose from, but these five options are some of the best currently available on the market. Whether you’re looking for reward points, cash back, or unique payment options, there is a card out there to fit your needs. Keep in mind that each card has its own set of pros and cons, so it’s important to carefully consider which card makes the most sense for your business.
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