What Is The Best Small Business Credit Card For Rewards?

The best small business credit card for rewards typically offers cash back or points on common expenses like office supplies and travel. Credit Cardzy recommends cards with no annual fees and flexible redemption options.

Are There Specific Benefits With The Best Business Credit Cards For Small Businesses?

Yes! Many cards offer travel perks, cash back, and expense tracking, making them ideal for small business owners.

How Can A Credit Card For Business Owners Help My Business?

A credit card for business owners helps streamline expense tracking, manage cash flow, and build business credit effectively.

Can I Use A Credit Card For Small Businesses For Personal Expenses?

It’s advisable to keep business and personal expenses separate to simplify bookkeeping and taxes. Choose a credit card for small businesses for optimal financial management.

How Does Credit Cardzy’s Best Card For Small Business Help With Expense Management?

Credit Cardzy’s best card for small businesses comes with powerful tools that allow you to track and categorize expenses, manage employee spending, and generate detailed reports. This makes managing your business finances easier and more efficient.

Top 0% APR Business Cards”

A credit card with a 0 percent introductory APR can be a smart choice for a small business or startup. It allows business owners to make large purchases and pay them off over time without worrying about accruing expensive interest charges. There are plenty of great small-business credit cards on the market that offer 0 percent interest on new purchases for the first few months, but it’s important to choose a card that works well for both during and after the introductory period ends.

One of the best options for office supplies is the Ink Business Cash Credit Card. It offers a 0 percent APR for the first 12 months on purchases, with a variable APR of 18.49 percent to 24.49 percent thereafter. It also comes with a competitive earning rate, offering 5 percent cash back on internet, cable, phone services, and office supplies, as well as 2 percent cash back on gas and dining. However, it’s worth noting that the 5 percent and 2 percent bonus categories have an annual spend limit of $25,000.

For a flat-rate cash back card, the American Express Blue Business Cash Card is a great choice. It offers a 0 percent intro APR on new purchases for the first 12 months, with a variable APR of 18.49 percent to 26.49 percent thereafter. It offers 2 percent cash back on all purchases, up to a maximum of $50,000 per calendar year, and 1 percent thereafter. This card also comes with travel insurances and business perks like expense tracking tools and working capital terms.

If you prefer a card with no spending cap, the Ink Business Unlimited Credit Card is a good option. It offers a 0 percent intro APR for the first 12 months on new purchases, with a variable APR of 18.49 percent to 24.49 percent thereafter. It offers a flat rate of 1.5 percent unlimited cash back on all purchases, making it a great choice for businesses that make purchases in a range of categories. This card also comes with a $900 bonus cash back after spending $6,000 on purchases in the first three months.

For those who prefer travel points over cash back, the Blue Business Plus Credit Card from American Express is a good option. It offers a 0 percent intro APR for the first 12 months on new purchases, with a variable APR of 18.49 percent to 26.49 percent thereafter. Cardholders earn 2 Membership Rewards points per dollar on the first $50,000 in spending each year, and 1 point per dollar on all purchases thereafter. This card is great for businesses that require frequent travel.

Lastly, the Bank of America Business Advantage Customized Cash Rewards Mastercard is a flexible option. It offers a 0 percent intro APR on new purchases and balance transfers for nine billing cycles, with a variable APR of 18.49 percent to 28.49 percent thereafter. It provides 3 percent cash back on a category of your choice, such as gas, office supplies, travel, and more, and 2 percent cash back on dining. However, there is a $50,000 combined yearly cap on the 3 and 2 percent categories.

In conclusion, a credit card with a 0 percent introductory APR can be a smart choice for small businesses or startups. It allows for the flexibility to make large purchases and pay them off over time without accruing expensive interest charges. The best card for each business will depend on their specific needs and spending habits, but the options mentioned above are some of the best available in the market.