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How to Pick a Great Business Credit Card
A business credit card isn't just for CEOs and road warriors. In fact, you may even want to consider one for your side hustle.
A business credit card is a card designed for business needs with tools in place to help small business owners track expenses and rewards. Additionally, business cards are exempt from some of the provisions of the CARD Act of 2009 (though many card issuers voluntarily comply with the same regulations applied to personal cards).
Like consumer credit cards, business cards can offer similar cash-back rewards and benefits tailored towards specific cardholder needs. A business rewards credit card offers bonuses for common business purchases rather than at supermarkets or drug stores. In addition, business credit cards often come with powerful tools to track receipts and run expense reports, making it much easier to file your taxes.
Finally, a business credit card is more likely to feature notifications and limitations on authorized cardholders, so that you can control cards issued to employees.
We recently looked at some of the top business credit cards on the market and picked one card to rule them all — the Best Business Credit Card in America. Here are all the details on this year's winner.
The Winner: The Chase Ink Plus Card
Why it won: The Chase Ink Plus card (full review here) offers an amazing 5x points for the most common business purchases.
The benefits: Cardholders receive 5x points on office supplies and telecommunications services including payments to telephone, television and internet service providers, on up to $50,000 in combined spending each calendar year. You can earn twice the points at gas stations and hotels (on up to $50,000 in purchases a year), and one point per dollar on all other purchases, with no limit. Points earned in Chase's Ultimate Rewards program can be redeemed for cash back, merchandise and gift cards, or transferred to several different airline and hotel programs.
The costs: There is a $95 annual fee for this card, and no foreign transaction fees.
Before signing up for any credit card, it is a good idea to look at the terms and conditions so you understand what you're agreeing to. Once you find the right card for you, it's a good idea to track your credit score so you don't harm the work you've done over the years. You can view two of your credit scores each month, for free, on Credit.com.
Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.
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