Best credit cards for small business: your key to smarter spending

With so many choices, it's easier than ever to find a card that fits your specific needs.

Finding the best credit cards for small business can make a big difference in managing expenses and earning valuable rewards. These cards offer perks like cashback, travel benefits, and flexible payment options, helping your business grow smarter. Plus,

But how do you choose the right card? Start by considering your spending habits and which benefits are most important to your business. Whether you’re looking to maximize rewards or take advantage of low fees, there’s a card designed for you. Read on to find out which are the best credit cards for small business.

1.  Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is a great choice for small business owners who want simple, unlimited rewards. You earn 1.5% cashback on every purchase, no matter the category. This makes it easy to maximize your rewards without tracking spending limits or categories.

Another big perk is the generous welcome bonus. If you spend $7,500 within the first three months, you’ll earn $900 in cashback. That’s an easy way to put extra cash back into your business. Plus, you get a 0% intro APR on purchases for the first 12 months, which helps you manage larger expenses.

With no annual fee, the Ink Business Unlimited® keeps costs low. It also offers employee cards at no extra charge, so your team can help rack up rewards. If you’re looking for a no-fuss card with great benefits, this could be the perfect fit for your business.

2.  The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is a smart pick for small business owners who want flexibility and rewards. You earn 2X Membership Rewards® points on everyday business purchases up to $50,000 annually, and 1X points after that.

What makes this card even better is its 0% intro APR on purchases for the first 12 months. This gives you breathing room to manage big expenses or invest in growth. After that, a competitive variable APR applies.

With no annual fee, this card keeps your costs low while offering great value. Plus, you can expand your spending power with its unique buying power feature. It adjusts based on your usage, payment history, and other factors. If you need a card that works as hard as you do, this card is worth considering.

3.  Capital One Spark Cash Plus

The Capital One Spark Cash Plus is an excellent choice if you want straightforward, unlimited cashback for your business. You earn 2% cashback on every purchase, no caps or categories to track. Plus, there’s a $1,200 cash bonus when you spend $30,000 in the first three months, which can make a big difference.

Unlike traditional credit cards, this one has no preset spending limit, giving you flexibility for larger purchases. However, it’s a charge card, so you’ll need to pay your balance in full each month. This helps you avoid carrying debt and keeps your finances on track.

With no foreign transaction fees, the Spark Cash Plus is ideal for businesses that make international purchases. While it does have a $150 annual fee, the cashback and perks easily outweigh the cost for most users. If simplicity and high rewards are your priorities, this card is a good pick.

4.  The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is perfect for small business owners looking to earn easy cashback on everyday purchases. You get 2% cashback on your first $50,000 in annual purchases, then 1% after that. The cashback automatically credits to your account, keeping things simple and stress-free.

One of the best perks is the 0% intro APR on purchases for the first 12 months, helping you manage upfront expenses. After that, a competitive variable APR kicks in. This card also has no annual fee, making it a budget-friendly option for growing businesses.

Another standout feature is the expanded buying power, which lets you spend beyond your limit if necessary. This can be a lifesaver for unexpected costs or bigger investments. If you want a reliable card with straightforward rewards and useful benefits, this card is a smart choice.

5.  Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is a great pick for small businesses that want big rewards on everyday spending. You earn 5% cashback on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.

If you love bonuses, this card delivers. Spend $6,000 in the first three months, and you’ll score a $900 cashback bonus. That’s an easy way to boost your business budget. The card also offers 0% intro APR on purchases for the first 12 months, giving you flexibility for larger expenses.

With no annual fee, the Ink Business Cash® keeps costs low while offering valuable perks. You can even get free employee cards to earn more rewards faster. If maximizing cashback is your goal, this card is definitely worth considering.

6.  Capital One Spark Cash Select

The Capital One Spark Cash Select is an excellent option if you want simple, no-hassle rewards for your business. You earn 1.5% unlimited cashback on every purchase. The best part? There’s no annual fee, so you can keep more of what you earn.

If you’re just getting started, the $500 cash bonus is a great incentive. You’ll unlock it after spending $4,500 within the first three months. On top of that, the card offers a 0% intro APR on purchases for 12 months, helping you manage upfront expenses or bigger investments.

The Spark Cash Select also comes with valuable tools, like free employee cards to maximize rewards and track spending. Whether you’re growing your business or just want a reliable card with straightforward perks, this one checks all the boxes. It’s a smart choice for small business owners.

In short, choosing the best credit cards for small business can provide incredible rewards and financial flexibility. By comparing options, you can find a card that suits your needs and helps your business grow. To help you even more, here’s how to get rich and build a secure financial future. See you soon!