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If there’s one career that constantly pulls you in different directions, it’s being a doctor. Not only do physicians have to understand the unbelievably complex human body, but many have to manage their own practice as well. Options range from medical practice loans to merchant cash advances. And while patient health is the primary goal of practicing medicine, a doctor’s office is also a small business that needs the right tools to get the job done. The right business credit card can offer doctors valuable rewards and cardholder benefits to help their medical practices thrive.

Here are four of the best business cards that doctors should consider.

1. American Express SimplyCash Plus Business Credit Card

Here’s another simple card that offers outstanding rates of cash back on select purchases. You earn 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. You can also earn 3% cash back on purchases from a category of your choice including restaurants, advertising, shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers. The 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter.

Purchase protection and extended warranty coverage are included as well as numerous benefits as part of the American Express’s OPEN for business program. This card also offers new account holders 0% on purchases for 12 months from date of account opening.

• Annual Fee: $0
• Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

2.

A busy doctor managing a practice may have little time to worry about which purchases earn more rewards than others. However, this card offers

• Annual Fee: 
• Foreign Transaction Fee: None

3. The Plum Card From American Express

One of the problems with running a medical practice is that the payments from patients and insurance companies don’t always line up exactly with your expenses. This card can help your practice smooth out your cash flow by offering you 60 days to pay with no interest charges and N/A. Alternatively, you can receive a 1.5% discount on your purchases when you pay your balance within 10 days of your statement closing.

• Annual Fee: $250‡
• Foreign Transaction Fee: None

Before You Apply

Business credit cards often have different terms and cardholder protections than consumer credit cards. Some business credit cards report to your personal credit scores only if you miss payments, for example, while others will report additional account activity like balances. Business credit cards can also be used to build a business credit history with the major business credit bureaus, depending on whether they report your account activity. You can check your business and personal credit scores for free on Nav to see how your credit cards are impacting your scores.

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