22 Best Small Business Credit Cards – Reviews & Comparison – Latest News

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Small business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans and don’t have access to networks filled with deep-pocketed family members, friends, and colleagues. No matter what your business does, a credit card can probably help – as long as you use credit wisely and avoid making purchases your company can’t afford.

Small business credit cards typically have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. However, many also come with annual fees and require good or excellent credit to qualify.

Keep in mind that qualifying for business credit cards is a bit different from qualifying for consumer credit cards. Some issuers simply require you to submit a valid Social Security number and affirm in writing that you’ll use the card exclusively for business purposes. Such laid-back issuers welcome freelancers and solopreneurs – basically, anyone who files a Schedule C at tax time, including people who don’t really think of themselves as business owners.

Some issuers are more strict. They request a federal employer identification number (EIN), seek evidence of incorporation, or ask for financial statements. If you can’t prove that you actually own an incorporated business with legitimate cash flow, you won’t qualify.

Also, remember that business credit cards are exempt from some of the protections of the CARD Act, including the requirement that card issuers regularly notify cardholders of changes in terms and conditions. The following small business credit cards offer a favorable mix of advantages and drawbacks for business owners with strong credit.

Best Small Business Credit Cards

1. Chase Ink Business Cash® Credit Card

$750 Sign-up Bonus; 5% Cash Back on Communications & at Office Supply Stores; 2% Cash Back at Gas Stations & Restaurants

Chase Ink Business Cash is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR. It holds down the Ink stable with the Chase Ink Business Preferred and Unlimited Cards (see below and above), both of which offer different (but no less rewarding) opportunities for frequent spenders.

When you spend at least $7,500 within 3 months of opening your account, you get $750 bonus cash back. From day one, you earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services), up to $25,000 per year. You earn 2% cash back on gas station and restaurant purchases, up to $25,000 per year. After reaching the $25,000 cap, you earn unlimited 1% cash back on these spending categories. All other purchases earn 1% unlimited cash back as well.

Redeem accumulated cash back for statement credits or direct deposits starting at $20, airfare booked through Chase’s Ultimate Rewards portal (which offers the opportunity to boost your cash back by 20%, turning $500 in cash back into $625 in travel purchases), gift cards, and Amazon purchases. Redemptions start at $20.

  • Sign-up Bonus: Earn $750 bonus cash back when you spend at least $7,500 within 3 months of signing up.
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount.
  • Introductory APR: 0% on purchases for 12 months.
  • Regular APR: Following the conclusion of the introductory period, the regular purchase APR is 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 24.99% variable.
  • Other Perks: Chase’s Purchase Protection plan covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 total per account. The Extended Warranty plan offers complimentary extended warranty protection for an additional 12 months on warranties originally set to expire after three years or less.

See our Chase Ink Business Cash Card Review for more information. Find out how to apply for this card here.

Apply Now


2. Chase Ink Business Unlimited® Credit Card

$750 Sign-up Bonus; Unlimited 1.5% Cash Back on All Eligible Purchases

Chase Ink Business Unlimited is an annual-fee-free business credit card that echoes Chase Freedom Unlimited, a consumer credit card that also earns unlimited 1.5% cash back. Ink Business Unlimited accrues cash back via Ultimate Rewards points, which can be redeemed for cash, gift cards, travel purchase, and general merchandise.

Additional perks include a generous sign-up bonus – worth $750 after you spend $7,500 in purchases within 3 months – and a 12-month, 0% APR promotion on purchases. The latter is a rarity among small business credit cards.

  • Sign-up Bonus: Earn $750 bonus cash after you spend $7,500 in purchases within 3 months after account opening.
  • Key Fees: This card has no annual fee and no employee card fees. The foreign transaction fee is 3%.
  • Introductory APR: 0% APR on purchases for 12 months from account opening.
  • Regular APR: Once the promotional period ends, the regular APR ranges between 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates.
  • Other Perks: Value-added benefits include complimentary auto rental insurance when you pay for your rental in full with your card, purchase protection on covered items for 120 days up to $10,000 per claim, and a 1-year extended warranty on items with existing eligible warranties of 3 years or less.

See our Chase Ink Business Unlimited Card Review for more information. Learn more about this card and find out how to apply here.

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3. Chase Ink Business Preferred® Credit Card

100,000-Point Sign-up Bonus; 3x Points on Travel, Shipping, Telecommunications & Advertising

Chase Ink Business Preferred is Chase’s flagship business card. Though it has a $95 annual fee that’s not waived in the first year, you get what you pay for: a generous rewards program that favors travel and everyday business purchases, an attractive points transfer feature that lets you swap your Chase Ultimate Rewards points for other companies’ loyalty currency at a 1-to-1 ratio, and (perhaps best of all) a massive sign-up bonus worth up to $1,250 in free travel.

When you spend at least $15,000 within 3 months of opening your account, you get 100,000 bonus Ultimate Rewards points. That’s worth $1,000 when redeemed for cash, and $1,250 when redeemed for travel (thanks to Chase’s 25% bonus on all travel redemptions). If you travel a lot for business, that’s hard to resist.

This card’s regular rewards program is equally impressive. The 3x tier is unusually generous: cardholders get 3 points per $1 spent on travel, shipping purchases, telecommunications purchases (such as Internet, cable, mobile phone bills), and advertising, up to $150,000 in combined spending across those categories in each account anniversary year. All other purchases earn unlimited 1 point per $1 spent.

Redemption options include cash, travel, gift cards, Amazon.com purchases, general merchandise, and much more. And cardholders can increase the value and flexibility of their earned points by transferring them at a 1-to-1 ratio to popular travel loyalty programs such as British Airways Executive Club, Southwest Airlines Rapid Rewards, United MileagePlus, Marriott Rewards, and IHG Rewards Club.

  • Sign-up Bonus: Earn 100,000 Ultimate Rewards points, worth up to $1,250 on travel and $1,000 in cash, when you spend at least $15,000 within three months of account opening.
  • Key Fees: There’s a $95 annual fee, but no foreign transaction fee.
  • Introductory APR: There’s no introductory APR promotion.
  • Regular APR: From the day you open your account, the regular APR is 15.99% to 20.99% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 24.99% variable.
  • Other Perks: This card comes with a slew of value-added benefits, including a cell phone protection plan (up to $600) when you pay your cell phone bill in full with your card; complimentary loss and damage coverage on rental cars paid in full with this card; purchase protection for up to 120 days; extended warranties on purchased items with existing manufacturers’ warranties; and trip cancellation and interruption insurance worth up to $5,000 per incident.

See our Chase Ink Business Preferred Card Review for more information. Learn more about this card and find out how to apply here.

Apply Now


4. American Express Blue Business Cash™ Card

2% Cash Back on the First $50,000 in Eligible Purchases

American Express Blue Business Cash is a popular American Express credit card with a generous 0% APR introductory promotion (12 months), solid cash rewards program, and relatively low fees.

All eligible purchases made with this card earn 2% cash back, up to $50,000 per year. Purchases over the $50,000 annual spending cap earn 1% cash back. Cash back automatically comes as a statement credit on the second statement after it’s earned. Terms and conditions apply – see rates and fees.

  • Key Fees: There’s no annual fee, but foreign transactions cost 2.7%, and late and returned payments cost up to $39.
  • Introductory APR: 0% APR for 12 months from account opening on purchases. For rates and fees of the American Express Blue Business Cash™ Card, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, variable regular APR applies: 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. See rates and fees for more details.
  • Other Perks: The Purchase Protection plan reimburses you for purchased items that are lost, stolen, or damaged within 90 days of purchase. This card also comes with extended warranties on purchased items with existing manufacturers’ warranties and access to exclusive offers from American Express®.
  • Terms and Conditions Apply: See rates and fees

See our American Express Blue Business Cash Card Review for more information. Find out how to apply for this card here.

For rates and fees of the American Express Blue Business Cash™ Card, please visit this rates and fees page.

Apply Now


5. The Business Platinum Card® from American Express

Enjoy a Fantastic Welcome Offer and 5x Points on Airfare & Hotels Booked Through Amex Travel

American Express Business Platinum is a popular business card that comes with a generous welcome offer and lavish perks that compensate for a hefty annual fee of $595. (For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.)

This card’s top perks include:

  • A $200 statement credit for purchases made with an airline of your choice
  • Complimentary access to more than 1,100 airport lounges worldwide through the American Express Global Lounge Collection
  • Free WiFi at more than 1 million Boingo hotspots worldwide
  • Reimbursement for TSA Precheck application fees (up to $100)
  • A 35% bonus when using Membership Rewards® points to book travel with your selected qualifying airline, up to 500,000 bonus Membership Rewards® points each calendar year

The Business Platinum Card from American Express has a points-based rewards system and a fantastic welcome offer: 85,000 Membership Rewards points after you spend at least $15,000 on qualifying purchases in the first 3 months, plus 5 points per $1 spent on eligible purchases in 5 select business categories (up to 80,000 bonus points per category) during the first 3 months.

Moving forward, airfare and prepaid hotel purchases booked through American Express Travel earn 5 points per $1 spent. Purchases greater than $5,000 earn 1.5 points per $1 spent, up to a total of 1 million bonus Membership Rewards® each year. All other purchases earn an 1 point per $1.

Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more. Redemption minimums start at 1,000 points. Point values vary by redemption method, but rarely exceed $0.01 – for instance, statement credits value points at $0.006 apiece, while gift cards value points at $0.01 apiece. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: Earn 85,000 Membership Rewards® points after you spend at least $15,000 in qualifying purchases within 3 months of opening your account. Plus, earn 5 points per $1 spent on eligible purchases in 5 select business categories, all up to 80,000 bonus points per category, during the first 3 months
  • Key Fees: There’s a $595 annual fee, but no foreign transaction fee. Late payments cost up to $39 or 2.99% of the outstanding balance, and returned payments cost up to $39. For rates and fees of the the Business Platinum Card® from American Express, please visit this rates and fees page.
  • Introductory APR: None.
  • Other Perks: Notable benefits for small business owners include up to $100 in annual purchase credits (statement credits) for U.S. purchases with Dell (terms apply). The Business Platinum Card has a host of lesser perks, including insurance coverage up to $2,000 for checked baggage ($3,000 cumulatively for checked and carry-on baggage) and 24/7 travel concierge service.

See our American Express Business Platinum Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.

Apply Now


6. American Express® Business Gold Card

4x Points in Your 2 Top-Spending Categories Each Year; 25% Point Bonus on Airline Purchases Paid With Redeemed Points

American Express Business Gold is another American Express card with a rather high annual fee, a solid rewards program, a nice welcome offer, and attractive membership perks.

For starters, you’ll earn 4 points per $1 on the first $150,000 in annual purchases in the 2 categories where your business spent the most that year. Categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. shipping purchases

All other purchases, including purchases made in your 2 favored categories above the $150,000 annual spending cap, earn 1 point per $1 spent. Keep in mind that the categories account for U.S. purchases only, with the exception of airlines.

You can redeem your points for gift cards, travel purchases, online merchandise, and more through American Express’s Membership Rewards portal. Redemptions start at 1,000 points, and points are worth between $0.005 and $0.01 when redeemed.

There’s no preset spending limit on this card, though failure to pay your balance can lead to restrictions. Terms and conditions apply – rates and fees.

  • Welcome Offer: Earn 35,000 bonus Membership Rewards points when you spend at least $5,000 in eligible purchases with your American Express Business Gold Card within the first 3 months of membership.
  • Key Fees: There’s a $295 annual fee and no foreign transaction fees. Late payments cost $39 or 2.99% of the late balance, and returned payments cost up to $39.
  • Introductory APR: There is no introductory APR. For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.
  • APR: The regular variable APR ranges from 14.24% to 22.24%, depending on your creditworthiness and other factors. See this rates and fees page for more.
  • Other Perks:  When you use points to book certain airline travel through Amex Travel, you’ll get 25% points back as a bonus. Meanwhile, the card’s baggage protection program covers carry-on bags (up to $1,250) and checked bags (up to $500) from damage and theft.

See our American Express® Business Gold Card Review for more information. Find out how to apply for this card here.

For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.

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

2X Points on up to $50,000 in Purchases per Year

Blue Business Plus is a popular American Express business card with a nice rewards program and a long 0% APR introductory promotion.

This card rewards you for conducting business as usual. You earn 2X points on everyday business purchases such as office supplies or client dinners. The 2X rate applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Redeem accumulated points for gift cards, online merchandise purchases, travel purchases, and more through American Express’s Membership Rewards® portal. Points are typically worth $0.005 to $0.01 when redeemed, and redemption minimums start at 5,000 points. Terms and conditions apply – see the full list of rates and fees.

  • Key Fees: There’s no annual fee. Foreign transactions cost 2.7% and balance transfers cost $5 or 3%. Late and returned payments cost up to $39.
  • Introductory APR: 0% APR on purchases for 12 months from account opening date. Then variable regular APR applies, based on your creditworthiness and other factors. For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, the variable regular APR for purchases currently rises to 13.24% to 19.24% variable, depending on prevailing interest rates and your personal creditworthiness. Please visit this rates and fees page for more detail.
  • Other Perks: Get a complimentary 12-month extended warranty on items covered by manufacturers’ warranties of five years or less.
  • Terms and Conditions Apply: See rates and fees

See our American Express Blue Business® Plus Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.

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8. Ramp

Ramp is a totally free corporate card built to simplify and strengthen your company’s finances. With a novel underwriting process that can produce limits 10 to 20 times higher than traditional business credit cards’ and no founder guarantee required, it’s a fantastic choice for organizations poised for growth. Unlimited virtual and physical cards for employees and 1.5% cash back on every purchase (no exceptions) can’t hurt either.

  • Sign-up Bonus: $250 Amazon gift card to businesses that are approved and pay their first statement of $1,000 or more.
  • Key Fees: There’s no annual fee.
  • Introductory APR: None.
  • Other Perks: Enjoy a slew of business-friendly perks and capabilities: unlimited virtual and physical cards to help you keep track of spending across your organization, automated receipt collection and matching, integrations with top third-party accounting providers like QuickBooks and Xero, more than $175,000 in partner benefits, and much more.

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9. The Brex Mastercard Corporate Credit Card for Startups

The Brex Mastercard Corporate Credit Card for Startups is a super-generous corporate rewards credit card with virtually no fees. Unlike most other business credit cards, it requires no personal guarantee (even for small business users) and promises a credit limit 10 times your current corporate card’s. The catch: Your statement balance is automatically paid in full on a net 30 basis, so you can’t carry balances from month to month.

There’s more. When you agree to make Brex for Startups your primary credit card, you can opt into a fantastic rewards program:

  • 7 points per $1 spent on purchases with vendors in Brex’s remote collaboration tools bundle, including Zoom, Slack, GoToMeeting, Gong, and Monday
  • 3 points per $1 spent with vendors in Brex’s food delivery bundle, including Caviar, DoorDash, Uber Eats, Grubhub, and Seamless
  • 2 points per $1 spent on recurring software purchases
  • 1 point per $1 spent on all other eligible purchases

Alternatively, you can choose to stick with Brex for Startups’s original rewards program, which offers:

  • 7 points per $1 spent on rideshare purchases, including Uber, Lyft, taxi, and scooter rides
  • 4 points per $1 spent on flights, hotels, and Airbnb stays booked with Brex Travel
  • 3 points per $1 spent on all eligible restaurant purchases
  • 2 points per $1 spent on recurring software purchases
  • 1 point per $1 spent on all other eligible purchases

Beyond its rewards program, this card’s benefits include a virtual card (ideal for online transactions) and partner offers cumulatively worth thousands. Partner vendors include Google Ads, Zendesk, and AWS.

  • Sign-up Bonus: Brex offers a slew of partner offers for new cardholders, including up to $100,000 in Amazon Web Services credits (depending on company funding), 50% off on all annual Dropbox Business Standard subscriptions, and a three-month discounted starter package (including one month free) for DoorDash’s DashPass food delivery subscription service. See terms for details.
  • Key Fees: The only regular fee is a $5-per-month charge per card for extra employee cards after the first 5 cards.
  • Introductory APR: N/A
  • Regular APR: N/A
  • Other Perks: Value-added benefits include a receipt capture feature that integrates directly with your statement, employee management tools, and an expense management platform that provides greater visibility into spending by employees and the primary cardholder.

Learn more about this card and find out how to apply here.

Apply Now


10. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

65,000 Bonus Miles After Spending $4,000 in Eligible Purchases Within the First 4 Months

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a fantastic spending aid for frequent American Airlines flyers (and anyone who flies with American’s alliance partners). Its rewards program promises 2 AAdvantage miles per $1 spent on American Airlines purchases, plus 2 miles per $1 spent on purchases in four business spending categories:

  • Telecommunications (including cell phones and plans)
  • Cable and satellite providers
  • Gas stations
  • Car rental merchants

All other purchases earn an unlimited 1 mile per $1 spent.

This card has an excellent sign-up bonus that should more than cover the mileage cost of a round-trip main cabin award flight anywhere in the United States. Don’t miss the companion certificate offer, a nice perk for heavy spenders, and the multitude of in-flight benefits.

  • Sign-up Bonus: Earn 65,000 bonus AAdvantage miles after spending $4,000 in eligible purchases within the first 4 months your account is open.
  • Key Fees: The annual fee is $99 after the first year. There’s no foreign transaction fee.
  • Introductory APR: None.
  • Other Perks: Enjoy a companion certificate (good for one round-trip main cabin domestic airfare) after spending $30,000 or more in purchases in a cardmembership year. Plus, get priority boarding, 25% off in-flight WiFi, and a free checked bag for yourself and up to four ticketed traveling companions on American Airlines flights.

See our CitiBusiness / AAdvantage Platinum Select  Mastercard Review for more information. Learn more about this card and find out how to apply here.

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11. U.S. Bank Business Leverage Visa Card®

Earn 75,000 Points (Worth $750 Cash Back) When You Spend $7,500 in Eeligible Net Purchases in the First 4 Months

The U.S. Bank Business Leverage Visa Card® has a fantastic sign-up bonus and a generous rewards program that automatically earns 2 points per $1 spent on purchases in the top two categories where you spend the most each month – with no action required on your part. All other eligible purchases earn 1 point per $1 spent, and you can redeem for cash back, travel, general merchandise, and more.

If you process lots of payments, don’t miss the optional Encore Relationship Rewards program, which earns points based on net payment processing volume.

  • Sign-up Bonus: Earn 75,000 bonus points after spending $7,500 in eligible purchases within the first 4 months your account is open on the account owner’s card. That’s worth $750 when redeemed for cash back.
  • Key Fees: The annual fee is $95 after the first year. There is no fee for additional employee cards. The foreign transaction fee is 2% to 3% of the transaction amount, depending on denomination.
  • Introductory APR: None.
  • Other Perks: With U.S. Bank’s optional Encore Relationship Rewards program, you can earn points for taking credit card payments (based on net payment processing volume) in addition to regular spending with your Leverage card.

Learn more about this card and find out how to apply here.

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12. U.S. Bank Business Cash Rewards World Elite™ Mastercard®

3% Cash Back on Eligible Purchases & 25% Annual Bonus on Cash Back Earnings (Up to $250 Bonus Cash)

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent business cash back credit card that earns 3% cash back on eligible net gas station, office supply store and cell phone or service provider purchases and 1% cash back on all other eligible purchases. Plus, you’ll get a 25% annual cash back bonus, up to $250. And there’s no limit to how much you can earn or redeem.

  • Sign-up Bonus: Earn $500 bonus cash back after spending $4,500 in eligible purchases during the first 150 days your account is open.
  • Key Fees: There is no annual fee or fee for additional employee cards. The foreign transaction fee is 2% to 3% of the transaction amount, depending on denomination.
  • Introductory APR: 0% APR on purchases and balance transfers for the first 15 billnig cycles your account is open, then variable regular APR applies.
  • Other Perks: This card comes with a standard lineup of World Elite Mastercard protections and benefits.

Learn more about this card and find out how to apply here.

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13. U.S. Bank Business Platinum Card

0% APR on Purchases and Balance Transfers for 20 Months

This offer is no longer available.

The U.S. Bank Business Platinum Card doesn’t offer generous rewards or luxe cardholder perks.

What it does have is a strong – and rare, for a business credit card – 0% APR promotion for purchases and balance transfers. If you’re looking for a no-annual-fee card to help pay down existing high-interest credit card balances or finance large purchases that your company’s cash flow can’t accommodate, you could do worse than U.S. Bank Business Platinum.

  • Sign-up Bonus: None
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount.
  • Introductory APR: 0% APR for 20 months from account opening on purchases and balance transfers, then variable regular APR applies.
  • Regular APR: Following the end of the introductory period, variable regular APR applies: 9.99% to 17.99%, depending on your personal creditworthiness and prevailing interest rates. For more information about this card’s rates and fees, visit this terms and conditions page.
  • Other Perks: This card has an extensive suite of spending controls that let you manage your employees’ spending, along with customized payment due dates and mobile wallet functionality for maximum flexibility.

See our U.S. Bank Business Platinum Card Review for more information.


14. Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

30,000 Point Sign-up Bonus; 3 Points Per $1 Spent on Eligible Travel Purchases

Bank of America Business Advantage Travel Rewards is a no-annual-fee business travel card with a solid sign-up bonus and a generous rewards program that favors travel spending.

When you make eligible travel purchases with this card through the Bank of America® Travel Center, you’ll earn unlimited 3 points per $1 spent. All other eligible purchases earn unlimited 1.5 points per $1 spent. There’s no limit to your point earnings, no blackout dates when you redeem, and no point expiration, even if your account goes dormant.

When you enroll in the Preferred Rewards for Business program as a Platinum Honors member, you’ll earn even more points on everyday spending – 75% more, to be precise. That’s 2.62 points per $1 spent on every purchase, every day, and 4.12 points per $1 spent at the Bank of America Travel Center. The best way to redeem points is for statement credits to cover the cost of flights, hotels, vacation packages, and other travel purchases. You can also redeem for cash back and gift cards.

  • Sign-up Bonus: Earn 30,000 bonus points when you spend at least $3,000 in eligible purchases during the first 90 days of card membership. That’s redeemable for a $300 statement credit toward eligible travel purchases.
  • Key Fees: The card has no annual fee or foreign transaction fees. Most cash advances cost the greater of $10 or 4%, but overdraft cash advances cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).
  • Introductory APR: See terms for the latest APR information.
  • Regular APR: See terms for the latest APR information.
  • Other Perks: Enjoy complimentary travel coverages, cash flow management tools, and overdraft protection transfers from your cash advance account.

See our Bank of America Business Advantage Travel Rewards Card Review for more information.


15. Bank of America® Business Advantage Cash Rewards Mastercard® Credit Card

$300 Statement Credit With $3,000 in Eligible Spending in the First 90 Days; Up to 3% Cash Back on Select Purchases

Bank of America Business Advantage Cash Rewards is another no-annual-fee business rewards credit card from Bank of America®. This one earns up to 3% cash back on select purchases and boasts an easy-to-attain sign-up bonus.

This card has a three-tiered cash back rewards program. Eligible purchases in one of your choice of six spending categories earn 3% cash back, while eligible dining purchases earn 2% cash back, up to $50,000 in annual combined category spending. All other eligible purchases earn unlimited 1% cash back, including 3% and 2% category purchases above the $50,000 spending cap.

Plus, if you’re enrolled in the Preferred Rewards for Business program as a Platinum Honors member, you’ll earn 75% more cash back.

  • Sign-up Bonus: Earn a $300 statement credit bonus when you spend at least $3,000 in net eligible purchases in the first 90 days after opening your account.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3% of the total transaction amount. Cash advances cost the greater of $10 or 4%, except overdraft cash advances, which cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).
  • Introductory APR: See terms for the latest APR information.
  • Regular APR: See terms for the latest APR information.
  • Other Perks: Enjoy cash flow management tools, complimentary travel coverages, and overdraft protection transfers from your cash advance account.

See our Bank of America Business Advantage Cash Rewards Card Review for more information.


16. Bank of America® Platinum Plus Mastercard® Business Card

$300 Statement Credit With $3,000 in Eligible Spending in the First 90 Days

The Bank of America® Platinum Plus Mastercard® Business Card has a very nice sign-up bonus with an attainable spend requirement and a solid 0% APR introductory promotion that encourages new cardholders to front-load big-ticket purchases.

The low ongoing APR is a nice perk of cardmembership as well, and the low-cost overdraft protection transfer feature is great for Bank of America deposit account holders who choose to enroll.

  • Sign-up Bonus: Earn a $300 statement credit bonus when you spend at least $3,000 in net eligible purchases in the first 90 days after opening your account.
  • Key Fees: There’s no annual fee. The foreign transaction fee is 3% of the total transaction amount. Cash advances cost the greater of $10 or 4%, except overdraft cash advances, which cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).
  • Introductory APR: See terms for the latest APR information.
  • Regular APR: See terms for the latest APR information.
  • Other Perks: Perks include business cash flow management tools and overdraft protection transfers from your cash advance account.

See our Bank of America® Platinum Plus Mastercard® Business Card Review for more information.


17. Marriott Bonvoy Business™ American Express® Card

Fantastic Welcome Offer (Expires 1/1

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How to Support Small Businesses During the Coronavirus Pandemic – Latest News

These are tumultuous times for business owners and employees alike. Nonessential businesses are increasingly shutting down temporarily. Plus, with an increase in people staying home and temporary job cuts, there is now less money going back into local economies. Congress is making an effort to curb the impacts of the COVID-19 pandemic, including discussing a stimulus package setting aside money for direct payments to individuals and families as well as for small-business loans. However, while a stimulus package is an attempt to revitalize the economy, everyone must do their part where they can. Government action can only go so far, and it falls to local communities and individual effort to help small businesses in their time of need. Thankfully, if you want to support local business owners but aren’t sure how to do so while complying with social distancing, there are still plenty of options available. Ways to Support Small Businesses…

5 Best Small-Business Loans & SBA Lenders of 2020 – Latest News

5 Best Small-Business Loans & SBA Lenders of 2020 – Latest News

Millions of small-business owners rely on suboptimal sources of financing — or no financing at all. This deficit threatens their profitability, expansion plans, and in some cases their enterprises’ very existence. According to statistics collected by the Small Business Administration (SBA), many businesses don’t even realize they’re eligible for small-business loans. Some 45% don’t know they have a business credit score separate from their owners’ personal credit scores. More than 70% don’t know where to find business credit score information and more than 80% wouldn’t know how to interpret it if they did. As a result, many small-business borrowers rely on some combination of small-business credit cards, personal credit cards, and personal lenders offering unsecured or secured loans. SBA-collected data reveals that nearly half (46%) of small businesses rely on personal credit cards for working capital, equipment financing, and other short-term credit needs. Many of these borrowers don’t actually need to mix…

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9 Best Online Course Platforms for 2021 (Compared) – Website Tips

9 Best Online Course Platforms for 2021 (Compared) – Website Tips

Are you comparing the best online course platforms? Whether you’re a content creator looking for an online course platform to sell courses, or a student looking to learn from online courses, you’re in the right place. In this comprehensive guide, we will compare the best online course platforms with their pros and cons. What to Look for in an Online Course Builder Platform? Following are a few things that you should look for in an online course builder platform. These things may affect your ability to build better courses and grow your business over time. 1. Course building features Depending on what kind of online course you want to sell, you may have specific features in mind that you’ll need. For instance, you may want to give assignments to students, create quizzes, or offer multiple payment methods. Different learning management systems (LMS) offer different course creation features. Make sure you…

What is an XML Sitemap? How to Create a Sitemap in WordPress? – Website Tips

What is an XML Sitemap? How to Create a Sitemap in WordPress? – Website Tips

Are you wondering what is an XML sitemap, and how to add it to your WordPress website? An XML sitemap helps search engines easily navigate through your website content. It gives them a list of all your content in a machine-readable format. In this article, we will explain what is an XML sitemap, and how to easily create a sitemap in WordPress. What is an XML Sitemap? An XML sitemap is a file that lists all your website content in an XML format, so search engines like Google can easily discover and index your content. Back in the early 2000s, government websites used to have a link on their main pages, titled “Sitemap”. This page usually contained a list of all the pages on that website. While some websites still have HTML sitemaps today, the overall usage of sitemaps have evolved. Today sitemaps are published in an XML format instead…

How to Track User Journey on WordPress Lead Forms – Website Tips

How to Track User Journey on WordPress Lead Forms – Website Tips

Do you want to track user journey on WordPress lead forms? Tracking user journey allows you to see exactly which pages your visitors view before they fill out a form on your website. This information can help you capture more leads and grow your business. In this article, we’ll show you how to easily track user journey on your WordPress contact form and lead forms. Why Track User Journey for Your WordPress Forms? Ever wondered why some users fill out forms on your website and some don’t? Well, the answer often lies in how users interact with your website. Wouldn’t it be nice if you can see the steps users take on your website before they actually fill out a form? This information is called user journey and by tracking it you can learn a lot about user behavior and activity on your website. Once you find out what compels…

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