Top 5 Best Small Business Credit Cards for Easy Financing
When it comes to funding a small business, credit cards can be an excellent option for quick and easy financing. With the right credit card, small business owners can have access to high credit limits, cashback rewards, and other perks that can help them save money and manage expenses. In this article, we’ll explore the top 5 best small business credit cards for easy financing.
1. Chase Ink Business Preferred
The Chase Ink Business Preferred credit card is a top choice for many small business owners due to its high rewards rates and versatile redemption options. The card offers 3x points per dollar spent on travel, shipping, internet, cable, and phone services, as well as advertising purchases made with social media and search engines. Cardholders can redeem their points for cash, gift cards, travel, and more, with each point being worth 1.25 cents when redeemed for travel through Chase Ultimate Rewards. The card also comes with a 100,000-point sign-up bonus after spending $15,000 within the first 3 months of account opening.
2. American Express Blue Business Plus
The American Express Blue Business Plus credit card is an excellent choice for small business owners who want to earn rewards on all purchases without having to keep track of categories. The card offers 2x points per dollar spent on all purchases, up to $50,000 per year, and 1x points thereafter. Cardholders can redeem their points for travel, merchandise, gift cards, and more. The card also comes with a 0% APR on purchases for the first 12 months, making it a great option for businesses looking to finance larger purchases.
3. Capital One Spark Cash for Business
The Capital One Spark Cash for Business credit card is a fantastic option for small business owners who want to earn flat-rate rewards on all purchases. The card offers unlimited 2% cashback on all purchases, making it easy to earn rewards on everything from office supplies to travel expenses. The card also comes with a $500 cash bonus after spending $4,500 within the first 3 months of account opening.
4. CitiBusiness AAdvantage Platinum Select
The CitiBusiness AAdvantage Platinum Select credit card is an excellent choice for small business owners who frequently travel with American Airlines. The card offers 2x miles per dollar spent on eligible American Airlines purchases, as well as on purchases at telecommunications merchants, cable, and satellite providers, car rental merchants, and gas stations. Cardholders can redeem their miles for flights on American Airlines and its partner airlines, as well as for car rentals, hotels, and more. The card also comes with a sign-up bonus of 65,000 miles after spending $4,000 within the first 4 months of account opening.
5. Wells Fargo Business Secured Credit Card
The Wells Fargo Business Secured Credit Card is an excellent choice for small business owners with less-than-perfect credit. The card allows owners to establish or rebuild their credit while also earning cashback rewards on eligible purchases. The card offers 1.5% cashback on all purchases, and cardholders can earn a credit line of up to $25,000 with a security deposit. The card also comes with mobile banking, account alerts, and other features that can help small business owners manage their finances more effectively.
Conclusion
In conclusion, small business credit cards can be a valuable tool for financing and managing expenses. The above-listed credit cards offer various benefits and rewards programs that cater to the needs of different businesses. However, before applying for any credit card, small business owners should carefully consider their financial situation and business needs to ensure they choose the right card for their business.
