5 Best Business Credit Cards (2019)

After 19 hours of research evaluating 61 products, we picked Ink Business Cash℠ Credit Card as our top choice.

Big businesses and new businesses are not so different. In both cases, the importance of keeping business and personal expenses separate is key, and managing expenses and employees shouldn't add stress to your life.

Choosing one of the best business credit cards may end up being a more important part of your business than you think.

Business credit cards often come with lower interest rates than the standard personal credit card, or other convenient credit sources such as unsecured loans from online business lenders.

So finding the best business credit card for your particular business becomes important.

If you're spending a considerable amount of money on your business each month, it's important to consider the role that building credit can play in helping you grow.

Just like with your personal credit cards, you can use the best business credit cards to build your business credit.

Improving your business credit score means lower interest rates and access to higher credit limits.

Here's the deal:

It's important to understand the difference between personal and business credit cards.

Right off the bat, business credit cards tend to have higher credit limits than personal consumer credit cards. Also, businesses often need to get credit cards for their employees, and the best business credit cards allow you to add authorized users with spending limits.

Additionally, the rewards being offered by the best small business credit card choices to are tailored specifically to their needs, with options that tend to include things like discounts on shipping or travel perks.

But here's the kicker:

Business credit cards are not afforded the same consumer protection laws that personal credit cards receive under the Credit CARD Act of 2009. This could be problematic, as a card issuing bank can change the APR or grace period without any notice if they please.

In the spirit of providing a good customer experience to their business customers, some major credit card issuers have made the choice to voluntarily extend traditional consumer protections to business credit cardholders.

Now:

You're sufficiently prepared to start shopping for the best business credit card for your business. The following options consider a variety of uses and perks—there's sure to be at least one that's a perfect fit for your business!

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated March 13, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Best Hotel Card for Business Owners

5. Starwood Preferred Guest® Business Credit Card from American Express

Get from Americanexpress

3.5 Faveable Rating

Why People Love it

Starpoints tend to have a higher value (~2.3 cents/point) than most other rewards points
Choose how you want to redeem your rewards–redeem for free hotel stays and free flights
Access free wifi wherever there's a Boingo hotspot

ProsCons

Pay no foreign transaction fees
No annual fee for the first year
Earn Marriott Rewards points starting in August 2018

The card charges an annual fee after the first year
As of June 26, 2018, the sign-up bonus is unimpressive
You won't get great redemption value from anything other than free hotel stays

Show details

Details

Application Process: Apply online and get a response within 60 seconds.

Rewards: From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.

Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the card at participating SPG® and Marriott Rewards® hotels. Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.

Bonus Offers: Earn a $100 statement credit after you make $1,000 in purchases on the card within your first 3 months of Card Membership. Plus, earn an additional $100 statement credit after your first purchase on the ard at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.

APR: 16.99% to 20.99% variable.

Annual Fee: $0 for the first year, then $95 after that.

Variable APR	16.99% - 20.99%
Cash Advance APR	26.99%
Rewards Rate	From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
Annual Fee	$0 for the first year, then $95
Intro APR	n/a
Bonus Offers	Earn a $100 statement credit after you make $1,000 in purchases within your first 3 months. Plus, earn an additional $100 statement credit after your first purchase at a participating SPG or Marriott hotel within your first 6 months.

Learn more:Starwood Preferred Guest® Business Credit Card from American Express »

5 Best Business Credit Cards