Advertiser & Editorial Disclosure

Advertiser & Editorial Disclosure

A quick trip to the business section of your local bookstore will reveal that when someone succeeds in business, everyone wants to know their secret. Most of these books cover the management strategies and personal habits of business leaders, but you’re unlikely to find information about the best business credit cards there. Successful business owners will prefer to use the best credit cards in order to maximize their rewards and utilize the most valuable benefits.

Here are five of the most popular credit cards for business owners, and what makes them so special:

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

This recently introduced card offers impressive rewards, valuable financing and no annual fee. Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. Points are earned in the American Express Membership Rewards program, which can be redeemed for gift cards, merchandise, and travel reservations. Or, you can transfer your points to miles with 16 different airlines.

This card also features an introductory APR of 0% on purchases for 12 months from date of account opening, with a 3% balance transfer fee. There’s a $0 annual fee for this card, but be weary of the foreign transaction fee, which is  2.7% of each transaction after conversion to US dollars.

2. The American Express Blue Business Cash™ Card

Another popular American Express card for small businesses is its SimplyCash card. This card offers 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. You also get 3% cash back on purchases from your choice of categories including U.S. gas stations, restaurants, airfare and hotel rooms. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

New cardholders also receive an introductory APR of 0% on purchases for 12 months from date of account opening, with a 3% balance transfer fee. There’s a $0 annual fee for this card, but it has a foreign transaction fee of 2.7% of each transaction after conversion to US dollars..

3.

Capital One is known for it’s “No Hassle” rewards program, and this business card delivers on that promise. It offers unlimited 1% cash back on all purchases with no minimum to redeem. And unlike many premium reward cards that require good or excellent credit, it’s available to small business owners with merely average credit. There’s no annual fee for this card, and no foreign transaction fees.

4. Capital One Spark Cash Select

Capital One Spark Cash Select

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Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. Earn unlimited 1.5% Learn More

For small business owners with excellent credit, the Spark Cash Select features an even higher level of rewards. It offers 1.5% cash back on all purchases, with no limits. New cardholders can also receive a $200 cash bonus once they spend $3,000 on new purchases within three months of account opening. New customers also receive an introductory APR of N/A. The APR goes to 17.99% - 23.99% (Variable) after the introductory period. There’s no annual fee for this card, and no foreign transaction fees.