If you own a small business, you should start earning cash back now on purchases like office supplies, shipping, travel and advertising. The right business credit card will help you manage your spending, save money, and earn the maximum rewards. Run your business the smart way.
American Express Corporate Green Card
Rewards Rate
- This iconic corporate card offers a handful of nice perks for employees on the road. For example, employees will get elite Hilton status. In addition, they’ll get access to special apps, such as an expense-tracking app and a travel app.
- The Corporate Green card also offers a modest rewards program. But you have to pay an additional $90 annual fee to take advantage of it.
- The Green card is the least expensive American Express corporate charge card. But its annual fee will soon climb from $55 to $75.
Annual Fee
Up to $75
Foreign Transaction Fee
2.5%
APR
N/A
Penalty Fee
None
Balance Transfer Fees
N/A
Discover It Business Card
Rewards Rate
- This Discover credit card offers 1.5% cash back on all purchases — unlimited and with no expiration date!
- Matches cash back you’ve earned in your first year!
- Cash back can be redeemed for charitable donations, in the form of gift cards or e-certificates
- You also get FREE cards for employees.
- No annual fee
- With this Discover business card, it’s easy to download transactions to QuickBooks or Excel
Annual Fee
None
Foreign Transaction Fee
None
APR
For purchases: 0% APR for the first 12 months, then 12.99% to 20.99%. For balance transfers: 12.99% to 20.99%. For cash advances: 24.99%
Penalty Fee
None
Balance Transfer Fees
5%
Southwest Rapid Rewards Performance Business Card
Rewards Rate
- 1 to 3 points per $1 spent.
- 100,000 bonus points opportunity.
- Verdict: The Rapid Rewards Performance Business Card offers generous bonuses and a good rewards structure for those who frequently fly Southwest
Annual Fee
$199
Foreign Transaction Fee
None
APR
15.99% to 22.99%
Penalty Fee
Up to 29.99%
Balance Transfer Fees
5% or $5, whichever is greater.
Bank of America Business Advantage Cash Rewards Mastercard
Rewards Rate
- 1% to 3% cash-back rewards.
- $300 statement credit opportunity.
- Verdict: The Bank of America Business Advantage Cash Rewards Mastercard credit card allows users to earn up to 3% cash back — but not for paying rent.
Annual Fee
None
Foreign Transaction Fee
3%
APR
12.24% to 22.24%, 0% for the first 9 months
Penalty Fee
None
Balance Transfer Fees
4% or $10, whichever is greater
Costco Anywhere Visa®Business Card by Citi
Rewards Rate
- If you work between the U.S. and Mexico, you might have a different set of credit cards that you use in each country. Splitting time between both countries means you don’t get to take full advantage of the card benefits you receive.
- But the Costco Anywhere Visa Card by Citi allows you to COLLECT REWARDS in BOTH the U.S. AND MEXICO. You’ll enjoy the full benefits of the Costco credit card no matter where you are. Here’s how.
Annual Fee
No annual fee for this credit card with your paid Costco Membership
Foreign Transaction Fee
None
APR
16.24%
Penalty Fee
Up to 29.99%, based on your creditworthiness
Balance Transfer Fees
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Capital One Spark Cash Select card
Rewards Rate
- The Capital One Spark Cash Select card makes it easy to earn cash back on startup costs. But unlike many business cards, you won’t have to pay an annual fee to earn a good return.
- You’ll get a reliable 1.5% cash back on every purchase. That can add up quickly when you’re just starting a business and have a lot of one-time expenses.
- Unlike many business cards, this Capital One Spark Business card offers a 0% APR on new purchases. You’ll get nine months to carry a balance interest-free.
Annual Fee
None
Foreign Transaction Fee
None
APR
13.99% to 23.99%, 0% for the first 9 months.
Penalty Fee
29.49%
Balance Transfer Fees
None
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