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Best credit card options, rates, fees, etc. for small business

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Having a credit card for your small business can be very important in running your business effectively. There are a variety of credit cards with all kinds of options, rates fees and perks. What credit cards are right for your small business? Researching these credit card companies is important to make sure you are getting the most out of your business purchasing.

Here are the top 10 best rated credit card options with rates, fees and rewards for a small business:

Advanta Platinum Rewards Business Card MasterCard
This consolidates business expenses into one credit card account as it earns both rebates and rewards for business related purchases.
0% APR on balance transfers for 15 months and a 7.99% fixed APR after that
7.99% variable APR on purchases
Choice of 5% cash back or rewards on travel
No annual fee and no limit on how much you earn
$0 for fraud liability
Personalized card

Citi Professional Card with Thank You Network
Each time you receive a credit card statement your purchases will be put in the designated categories.
No fee rewards program
3 Thank You Points for every dollar you spend at restaurants, gas stations, on car rentals and office supplies
1 Thank You Point on every other dollar you spend
Redeeming points for: air travel, statement credit, gift certificates, and merchandise
No balance transfer fee

American Express Simply Cash Business Card
It allows you to carry a balance from month to month, or pay your balance off in full each month. The cards annual fee doesn't change.
Earn 5% cash back on gas, office supplies, and wireless services
Earn 1% cash back on just about all other purchases
No limits to the cash back you earn
Your cash back is credited to your statement each month
0% introductory APR for the first 12 months
There's no fee with flexibility to pay in full or carry a balance
Additional cards are free


American Express Platinum Business Freedom Pass
This is a great for someone who wants to take advantage of a rewards program. Points never expire, and there are no blackout days or restrictions on use of the points.
5,000 point welcome bonus with your first purchase
Earn 1 point for every dollar that you spend
Redeem for savings on any flight, hotel, car rental or cruise
No travel restrictions
0% introductory APR on purchases for the first 12 months
No annual fee and the option to pay in full or to pay over time
Additional cards are free

Discover Business Card
This keeps track of business expenses, employee credit use, and earns cash back rewards on all of your purchases. You have 25 days in each billing cycle where you can make payments interest and finance charge-free, you can earn cash back and avoid paying fees whenever you make your payments in full and on time.
0% intro APR on balance transfers and credit card purchases for 12 months
5% cash back bonus on office supplies, 2% on gas and up to 1% on all other purchases
No annual fee
Earn 5 to 20% cash back bonus at retailers through Discover's online shopping site
Fee-free checks to pay merchants who don't accept credit cards
Free employee cards

Business Gold Rewards Card from American Express
This offers rewards points to help you save on business expenses, and no limit to what you can earn or an expiration date to redeem it by. The first purchase entitles you to 5,000 bonus rewards points. The first year results in more bonus rewards points.
Earn up to 40,000 bonus points in a year
Points have no expiration
No limit to the number of rewards points you earn
No annual fee for the first year
No pre-set spending limit and 0 finance charges

Starwood Preferred Guest Business Credit Card from American Express
With this you can turn your business expenses into rewards for travel. Your first card purchase will give you up to three free nights stay in one of the listed hotels. Your points can be redeemed for free nights or hotel upgrades at any of the 825 Starwood hotels in over 95 countries, or turn them into flight tickets on any one of the 30 listed airlines.
Earn 10,000 Star points with first purchase
Earn 1 Star point for every buck you spend on the card and
Redeem at over 825 Starwood Hotels and Resorts in 95 countries
Transfer to over 30 frequent flyer programs
No annual fee for the first year


Advanta Life of Balance Platinum Card
This allows cardholders to choose a specific category where they will earn up to 6% in cash rebates. Depending on your spending habits, you could choose to earn 6% back on computer equipment and office supplies.
2.99% fixed APR for life on balances transferred within 3 months
Choice of 6% cash back or travel rewards
No annual fee and no limit on what you earn
$0 Fraud Liability
Personalized card

Citi Business card
This lets each of your employees have a credit card through your account. You can manage the transactions and spending limit for each employee, and monitor everything with its reporting options.
0% APR on purchases and balance transfers for 12 months
No annual fee
Business sized credit limits
Free cards for employees with limits you set.
Savings on business expenses
No balance transfer fees

Business Green Rewards card

This has a high annual fee, but rewards accumulate quickly. It offers 1 point for every dollar spent. It also gives 5,000 bonus points when making your first purchase. Points can be redeemed in as small as 400.
Receive 5,000 bonus points on first purchase
No pre-set spending limit or charges
Earn one Membership Rewards Point for every buck you spend without limits and no expiration dates
Redeem points for travel, merchandise, office equipment and gift cards
No annual fee for the first year

Depending on what type of card fits you and your business, these are the best credit card options with great rates and fees and exciting rewards programs. Research them today and quickly get your rewards and other great features started.

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