Top 10 business credit cards 2012.
High rated business cash back, miles and points reward offers.


Credit cards designed for business use help track company’s expenses and save money if cards are properly used. It does not matter what size of your business, credit cards will provide free tools for company’s money managing. Most of the business credit cards let you earn cash back, air miles and other extra benefits for your business. The list below include top 10 small business credit cards in US. Choose the best small business credit card for your business and apply via online secure application.

Best small business cash back credit cards

Ink Cash(SM) Business Card
by Chase
  • Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% APR for 12 months 10.24% 0% APR for 12 months Cash back $0 Excellent

SimplyCash® Business Card from American Express OPEN
by American Express
Amex Simply Cash Business card review
  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • No introductory annual membership fee
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 6, 9, or 12 months 12.24% - 19.24% Variable None Cash back $0 Excellent

Best small business point rewards credit cards

Ink(SM) Classic Business
by Chase
  • Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn
  • Points do not expire
  • 0% Introductory APR for 12 months
  • No Annual Fee

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 12 months 10.24% 0% for 12 months Point $0 Excellent

The Business Gold Rewards Card® from American Express OPEN
by American Express
Amex Business Gold Rewards review
  • FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
  • One million rewards from over 500 brands
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived the first year
  • Terms & Restrictions Apply.
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
N/A* N/A* N/A* Point No annual fee for the first year, then $175 Excellent

Ink Bold℠ with Ultimate Rewards
by Chase
  • Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • No foreign transaction fees
  • Free Employee Cards
  • No interest charges because it's a pay-in-full charge card
  • Transfer points you've earned to participating frequent travel programs at a 1:1 value
  • No Annual Fee in the first year – a $95 savings
Intro Purchase APR Regular APR Intro Balance Transfer Type of Reward Annual Fee Credit Needed
N/A* N/A* N/A* Point $95 (FYF) Excellent

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
0% for 6 months 13.24% N/A* Points $0 Excellent



Q: What are advantages of a small business credit card?

A: Small business credit cards are esier to qualify for than a traditional business line of credit. By using a business credit card wisely, and making timely payments, business owners can boost the credit ranking of a small business so that they can qualify for larger lines of credit in the future. This enhanced credit ranking is essential if you are looking to grow your business strong and to eventually expand.

Best small business credit cards with travel rewards

The Business Platinum Card(R) from American Express OPEN
by American Express
Amex Business Platinum review
  • FOR A LIMITED TIME: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
  • Complimentary airport club access to 600+ partner lounges, a $950/yr value
  • By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
  • No pre-set spending limit*
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
N/A* N/A* N/A* Point $450 Excellent

Gold Delta SkyMiles® Business Credit Card from American Express OPEN
by American Express
Amex Business Gold Delta Sky Miles review
  • Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free– for up to 8 people on your reservation– on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% - 19.24% Variable N/A* Miles $0 for the first year, $95 after that Excellent

Starwood Preferred Guest® Business Credit Card from American Express OPEN
by American Express
Amex Business Starwood review
  • Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% - 19.24% Variable N/A* Point $0 for the first year, $65 after that Excellent

Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% Variable N/A* Miles $95 Excellent



Q: Do business credit cards affect your personal credit score?

A: Some business owners worry that a business credit card could affect their personal credit ranking, but that is not the case. In fact, your personal credit is not reflected in any of your business credit card transactions.





The article was updated on 4/16/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. Best Credit Cards Online may be compensated through American Express Affiliate Program.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.


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