I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).
Small business credit cards often have bigger and better offers than personal cards. That’s because small businesses spend more than individual people do on average. Acquiring a business as a customer means more spend, which means a card company can invest more marketing to obtain the customer.
Furthermore, small business cards from most issuers don’t generally ‘count’ towards 5/24 limits getting approved for a new card with Chase since most banks don’t report them on your credit report. So getting most small business travel rewards cards usually won’t stand in the way of getting other cards.
Right now there are some fantastic offers worth looking at. Most people skip over small business credit cards, but one of the very first things you should think about before you even have business income is how to keep business and personal finances separate — in other words, get a small business credit card. Here are what I consider to be the 5 best:
- Ink Business Preferred℠ Credit Card offers 80,000 points after $5000 spend within 3 months and earns triple points on the first $150,000 spend on travel, telecommunications, shipping and advertising on social-media and search engines. It even comes with protection for your cell phone if you buy it using the card.
Transfer Points and Redeem for Singapore Airlines A380 Suites
- The Business Platinum® Card from American Express OPEN lets you earn 75,000 Membership Rewards points as a signup bonus: 50,000 after you spend $10,000 and 25,000 more points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
The $450 card comes with a $200 airline fee credit. It gets you lounge access — Priority Pass, Delta lounges when flying Delta same-day, and their own Centurion lounges. And it gets you elite status — Hilton Gold and Starwood Gold which matches to Marriott Gold.
American Express Centurion Lounge Houston
You get to pick an airline for a $200 fee credit per year and get 10 Gogo inflight internet passes annually.
You earn 1.5 points per dollar on each eligible purchase of $5,000 or more up to 1 million additional points per year.
- Starwood Preferred Guest® Business Credit Card from American Express is offering 25,000 bonus Starpoints® as a signup bonus after $5,000 in purchases within the first 3 months. It has a $0 introductory annual fees for the first year, then $95.
The business card also gets you club lounge access when staying at Sheraton hotels on a rate booking directly through Starwood (this includes award bookings).
St. Regis Abu Dhabi
- Business Gold Rewards Card from American Express OPEN: earn 50,000 Membership Rewards points after $5,000 spend on purchases with the card within your first 3 months of cardmembership. There’s a $0 introductory annual fee for the first year, then $175.
You get to choose your triple points category (and the categories you don’t choose earn double points) from: Airfare purchased directly from airlines; U.S. purchases for advertising in select media; U.S. purchases at gas stations; U.S. purchases for shipping; U.S. computer hardware, software, and cloud computing purchases made directly from select providers.
American Express Points Can Be Transferred to Etihad
- Blue Business℠ Plus Credit Card from American Express has no annual fee and earns double points on all purchases up to your first $50,000 in spend (one point per dollar after that).
These are real Membership Rewards points that transfer to a variety of airline frequent flyer programs.
This is the best most rewarding card for otherwise-unbonused spend.