Below you’ll find our picks for the best business credit cards, specifically small business credit cards. There are two types of business credit card: corporate credit cards for large businesses and small business credit cards for businesses that can vary in size from 100 employees to a sole proprietor working from home.
Let’s get to our small business rankings…
SMALL BUSINESS CREDIT CARDS:
Chase Ink Business Preferred – Our favorite small business card comes with a $95 annual fee but plenty of perks, especially for businesses that will use this card often. First, you’re going to earn 80,000 points as a one-time bonus if you spend at least $5000 with this card in the first three months after opening the card account. That’s worth at least $800 if you exchange it for cash, but it also could be worth $1000 if you use it toward travel within the Chase Ultimate Rewards travel portal. (Chase gives your points a 25% boost when you use your points earned with this card in their travel portal.)
The everyday rewards are good here, too: 3 points per dollar on the first $150,000 spent yearly in combined purchases of travel, shipping, Internet service, cable service, phone service, and on advertising purchases made with social media sites and search engines. (You’ll get 1 point per dollar on everything else you buy with this card.)
In our book, Chase also has the best travel transfer partners, which also enhances this card’s value. You can transfer the points you earn on this card on a 1-to-1 basis with airline and hotel programs including United, Southwest, Marriott, Hyatt and more.
The card also has no foreign transaction fees on purchases made with the card outside of the United States. (Many cards charge 3% on foreign transactions.) Continue reading →
Arhaus Furniture, in partnership with Comenity Bank, offers a credit card that can lead to Arhaus rewards or special 0% financing. But the promise may be better than the payoff. Our complete overview / review of the card is below:
The first thing to understand about the Arhaus credit card is that it is only accepted at Arhaus — nowhere else. Is it really worth it to open a new credit line to use at this one furniture chain?
Probably not, unless you are financing a very large purchase — then it could make sense. Here’s why:
Every time you purchase with the Arhaus credit card, you can earn points (1 point per dollar) and/or you can choose special 0% financing on your order.
Let’s break that down a little further, because it can be confusing:
When you make purchases under $399 with the Arhaus credit card, you qualify for points but not special financing.
When make purchases of at least $399 but less than $2500, you get 0% financing for 6 months AND you get reward points.
If you make a purchase of $2500 or more, you can choose to get 0% financing for 12 months but no rewards. OR, you can choose the 0% financing for 6 months and still get the rewards.
Stein Mart’s credit card is offered in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Information on completing any of these tasks is below:
The Kroger Mastercard credit card is issued in partnership with US Bank, and it is US Bank you will deal with when it comes to making a payment online or by mail, or for customer service assistance. The information you need to complete any of these tasks is below:
Sunoco gas stations, in partnership with Citibank, offers a credit card that gives you 5 cents off per gallon of gas charged to the card. Hard to argue with that, right? Well, there are a couple of other things to consider. Check out our complete overview / review of the Sunoco credit card below:
So, as we already mentioned, if you use the Sunoco credit card to purchase your Sunoco gas, you’re going to get 5 cents off each gallon of gas you buy. Seemingly a no-brainer. Continue reading →
If you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:
Below is our ranking of the best no-annual-fee credit cards that offer a 0 percent interest rate on new purchases for at least 15 billing cycles. After the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Many of these cards also have 0% balance transfer offers, meaning you can move balances from other higher-interest cards onto them and have no interest accrue while you pay them off.
US Bank Visa Platinum – Offers a 0% interest rate on purchases for 20 months. Also offers a 0% APR on balance transfers, but note the 3% fee on transferred balances. Interest rate after 18 months ranges from 14.74% to 25.74% depending on your credit history.
Wells Fargo Platinum Visa – Get a 0% rate on purchases for 18 months. 0% APR on balance transfers, too (though a 3% balance transfer fee). Interest rate after 18 months could be anywhere from 13.74% to as high as 27.74%, depending on your credit history.
Citi Diamond Preferred Card – Offers a 0% interest rate on purchases for 18 months. Also offers a 0% rate on balance transfers, though there is a 5% balance transfer fee, which is quite high. Interest rate after 18 months: 15.99% – 25.99% (depending on your credit history).
The Chrysler credit card is issued in partnership with First Bankcard/First National of Omaha, and it is First Bankcard you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find all the information you need to complete any of these tasks:
The Stage department store chain, in partnership with Comenity Bank, offers a credit card that allows you to earn rewards toward future Stage purchases. Our overview / review of the card is below:
The first thing to know is that the Stage credit card is only accepted at Stage and its sister stores Bealls, Goody’s, Palais Royal, and Peebles. Here at Credit Card Catalog we are not usually fans of credit cards with such limited acceptance — do you really want to open a new credit line when the card can’t be used widely?
Maybe. But only if there is some type of reward or special offer to make it worth the trouble. The Stage store card does offer you the following:
A $5 reward certificate toward a future Stage purchase for every $50 you charge to the card — a 10% reward, which is very high for retail store credit cards like this.
One of the credit card companies’ favorite ways to lure you in is with a big signup bonus as a new customer. These bonuses can be totally free or they may require you to spend a certain amount in order to get the extra reward. Below we list the best signup bonuses on the market — on top you’ll find cards with big bonuses and no annual fee, on bottom you’ll find cards with good signup bonuses but an annual fee attached. We’ve ranked them based on the potential bonus to be earned, regardless of required minimum spend or annual fee, so be sure to read the details before applying for any of these.
Best Credit Card Signup Bonuses with No Annual Fee:
Hilton Honors Card from American Express – Get 100,000 Hilton Honors points as a signup bonus after spending at least $1000 with the card in the first 3 months. Those bonus points should get you at least $450 worth of value when redeemed toward free (or partially free) nights at Hilton properties.
Loft credit cards are issued in partnership with Comenity Bank, and it is Comenity you will interact with in order to make your card payment online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:
The Costco Anywhere Visa credit card is issued by Citibank, and you will interact directly with Citi to pay your bill online or by mail, or to contact customer service when you need help. Below is the information you need to access any or all of those options:
The American Chemical Society, in partnership with Bank of America, offers a credit card that allows you to earn rewards while presumably supporting the ACS. Our overview / review of the card is below:
The American Chemical Society credit card is really just the standard Bank of America Cash Rewards Visa with an ACS logo and graphic on the card’s face. Not that that’s bad, but you’re not getting any special deal here — you’re basically showing your ACS pride, and assuming that the ACS is getting some money thanks to you carrying the card. (We’re sure they are, but nowhere will you find information on what the ACS is actually paid from you having this card.) Continue reading →
If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for at least 15 billing cycles and have no annual fee:
Bank Americard Visa – Our choice for the best 0% balance transfer card. Offers a 0% interest rate on balance transfers for 15 billing cycles, with No Balance Transfer Fee, provided you transfer the balance within 60 days of card opening. (There is a 3% balance transfer fee after that first 60 days.) You’ll also get a 0% rate on new purchases for the first 15 months. After 15 months the interest rate could be anywhere from 15.24% to 25.24%, depending on your credit history.
Amex EveryDay Credit Card – The newest American Express rewards card offers a 0% rate on balance transfers with no balance transfer fee if transfer made within 60 days of account opening. 0% rate on purchases for 15 months, too. Interest rate after the first 15 months ranges from 15.24% to 26.24% depending on your credit history.
The Express Next credit card is issued in partnership with Comenity Bank, and it is Comenity you will deal with when it comes to making a payment online or by mail, or if you need customer service assistance. Below you will find all of the information you need to complete any of these tasks: