15 Best Small Business Credit Cards 2019

The best business credit cards offer high reward payouts, specific rewards categories, and low introductory and ongoing interest rates. Based on these criteria, we reviewed credit cards to identify the 15 best small business credit card options. We then ranked them based on costs, application process, and rewards for various types of businesses and spending.

Best Small Business Credit Cards January 2019

How We Evaluated the Best Small Business Credit Cards

Business credit cards can come with a variety of rewards and a range of APRs and fees. The best card for you is likely going to be determined by your personal and business situation, including the type of rewards you want.

In our evaluation of the best business credit cards, we considered:

• Introductory APR – Whether a card offers a 0% introductory period on purchases and balance transfers
• Ongoing APR – The ongoing interest rate charged on purchases and balance transfers
• Annual fee – The annual cost to have a small business credit card
• Who the card is best for – Which types of businesses can benefit from a particular business credit card
• Introductory rewards – Whether a card offers introductory bonus points or cash back
• Ongoing rewards – The rewards structure of a small business credit card and the level of points or cash back you can earn on ongoing purchases

We also took into account minimum qualifications, but most business credit card providers require you to be a prime borrower. While it’s possible to qualify for a small business credit card with a 640+ credit score, we recommend having a 700+ score if you want to qualify for the best cards with the best rates and largest credit lines.

After taking these things into consideration, we recommend the Chase Ink Business Cash℠ card as the best overall card that will be a good fit for most small businesses. It is the most versatile card that provides up to 5% cash back on select purchases.

Chase Ink Business Cash℠: Overall Best Small Business Credit Card

The Chase Ink Business Cash^SM card is the best small business credit card because if offers the top combination of introductory and ongoing rewards and a lengthy introductory period on purchases and balance transfers. Owners receive 0% introductory APR for 12 months. Only the American Express Blue Business Plus offers a longer introductory period — 15 months.

Chase Ink Business Cash℠ Costs

Financing costs and fees on the Chase Ink Business Cash^SM include:

• Introductory APR: 0% APR for 12 months on purchases and balance transfers
• Ongoing APR: Variable rate of 15.24% to 21.24%
• Annual fee: None
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

Chase Ink Business Cash^SM isn’t a card you should get primarily for the interest-free financing. It’s a nice secondary benefit to have, but there are better introductory offers available if you need a long 0% introductory period on purchases and balance transfers. Beware the balance transfer fee, though, as it’s on the highest charges among the cards on our list.

Chase Ink Business Cash℠ Rewards

This card offers higher rewards on office supply and telecommunications services purchases than many other small business credit cards. It also pays bonus cash back on gas station and restaurant purchases, and awards one of the highest sign-up bonuses available on a small business credit card that charges no annual fee.

Introductory Rewards

Receive $500 cash back after you spend $3,000 on purchases in the first three months after account opening.

Ongoing Rewards

Earn the following cash back rewards when using your card:

• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year (then 1%).
• 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%).
• 1% cash back on all other purchases.

This card offers the highest rewards on office supply spending, tied with American Express SimplyCash Plus, which offers a balance cap twice as high as Chase Ink Business Cash^SM offers, at $50,000 in annual spending.

Chase Ink Business Cash℠ Additional Features

If you rent cars frequently for business, the protection this card offers may prove beneficial, along with other purchase insurance:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

This is a similar package of benefits as several other cards on this list offer, although the purchase protection lasts longer than the 90 days offered by the Capital One Spark Cash.

Chase Ink Business Cash℠ Drawbacks

The $25,000 annual cap on the 5% and 2% spending categories may prove to be too small for some business owners. One other card on this list, American Express SimplyCash Plus, offers a cap twice as high, at $50,000, for its 5% cash back on office supply store spending.

Chase Ink Business Cash℠ Reviews

Online reviews of the card are excellent. Cardholders especially like that the card pays high cash back rewards without any annual fee. The card is also backed by one of the largest retail banks in the country, so there are very few complaints about Chase Ink Business Cash℠ customer service.

How to Apply for Chase Ink Business Cash℠

You can apply online with Chase by filling out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

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Bank of America® Business Advantage Cash Rewards Mastercard®: Best Small Business Credit Card for Gas Rewards

The Bank of America® Business Advantage Cash Rewards Mastercard® offers 3% cash back on gas station spending—and potentially more if you enroll in the Business Advantage Relationship Rewards program. That’s the top return among the best business credit cards on our list. Ongoing APR is a variable 13.49% to 23.49%.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

The costs of the Bank of America® Business Advantage Cash Rewards Mastercard® include:

• Introductory APR: 0% for nine billing cycles on purchases
• Ongoing APR: 13.49% to 23.49%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: Greater of $10 or 4% of the amount of each transaction

The ongoing APR is low, but it’s not the lowest on our list. If the cost to finance is the most pressing need you have in a business credit card, consider a card like the Bank of America® Platinum Visa®, which offers a potentially lower ongoing APR (11.49% to 22.49%) for cardholders with excellent credit (750+).

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

You’ll need to make just $500 in spending during the first 60 days after you open your account to qualify for the introductory rewards, matching the low sign-up bonus requirement offered by the Bank of America® Platinum Visa®. Earn 3% cash back on gas station and office supply store spending.

Introductory Rewards

Earn a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening. That’s lower than the $500 cash back reward the Chase Ink Business Cash^SM card offers after you spend $3,000 within the first three months.

Ongoing Rewards

Earn the following rewards when using your card:

• 3% cash back on gas station and office supply stores on up to $250,000 in spending each calendar year, then 1%. That’s a higher balance cap than the American Express SimplyCash Plus offers on office supply spending.
• 2% cash back at restaurants.
• 1% cash back on all other purchases.

This card offers unique bonus value for businesses that have a Bank of America checking or savings account. Enroll in the Business Advantage Relationship Rewards program to receive an additional 25% to 75% rewards bonus on every purchase. These tiered-relationship bonuses begin when you have at least $20,000 in assets with the bank. Only the Bank of America® Business Advantage Travel Rewards World Mastercard® offers a similar bonus.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

This card doesn’t come with the same level of benefits you’ll find on other cards on our list. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. This is also available on the Bank of America® Platinum Visa® Business card.

Bank of America® Business Advantage Cash Rewards Mastercard® Drawbacks

The reward system is not as good as other cards if you plan on using it for business expense purchases you’re paying off every month—unless you have an existing Bank of America banking relationship.

Bank of America® Business Advantage Cash Rewards Mastercard® Reviews

Online reviews of the Bank of America® Business Advantage Cash Rewards Mastercard® card are generally mixed. Many customers like the introductory 0% APR, the lack of an annual fee, and the ability to earn up to 3% ongoing cash rewards. However, some complain that the introductory rewards aren’t as high as other cards offer.

How to Apply for the Bank of America® Business Advantage Cash Rewards Mastercard®

You can apply online for a Bank of America® Business Advantage Cash Rewards Mastercard®. Once you fill out the application form containing basic personal and business information, you could get approved within minutes. Once approved, you’ll receive a card in the mail within seven to 10 days.

Apply Now

American Express SimplyCash Plus: Best Business Credit Card with No Annual Fee

American Express SimplyCash Plus is best for businesses that want to earn rich rewards without paying an annual fee. It offers a generous 5% cash back on office supply spending up to $50,000 per year. You’ll also enjoy the longest 0% introductory period of any of the best small business credit cards. Ongoing APR is a variable 14.24% to 21.24%.

American Express SimplyCash Plus Costs

Financing costs and fees on the American Express SimplyCash Plus include:

• Introductory APR: 0% for 15 months on purchases
• Ongoing APR: Variable rate of 14.24% to 21.24%
• Annual fee: None
• Balance transfer fee: Balance transfers are not allowed

On the low end of the range, this card’s ongoing APR is quite good for those who can qualify with excellent credit (750+). The APR isn’t quite as good as the Bank of America® Platinum Visa® Business card, but if you carry very little to no balance, there will be no tangible difference.

American Express SimplyCash Plus Rewards

The American Express SimplyCash Plus rewards are generous, particularly when it comes to office supply spending. You’ll earn the same 5% cash back at U.S. office supply stores with this card as you would with Chase Ink Business Cash^SM, but the $50,000 spending cap is twice as much as the Chase card allows.

Introductory Rewards

Earn the following introductory rewards:

• A $250 statement credit after you spend $5,000 on your card within the first six months of card membership.
• An additional $250 statement credit after you spend an additional $10,000 within the first year.

Ongoing Rewards

You’ll receive the following rewards for using the SimplyCash Plus card:

• 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers on up to $50,000 in purchases during a calendar year, then 1% thereafter.
• 3% cash back on up to $50,000 in annual spending (then 1%) from one of eight categories:
  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • U.S. gas stations
  • U.S. restaurants
  • U.S. purchases for advertising on select media
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
• 1% cash back on all other eligible spending

This is the only card on our list of the best 0% credit cards that offers bonus rewards on internet advertising, which could come in handy for firms that use Facebook or Google ads to support their business.

American Express SimplyCash Plus Additional Features

The American Express SimplyCash Plus comes with some fairly robust protections against loss and damage, including:

• Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. American Express provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
• Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
• Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.

The extended warranty protection is a full year longer than what Chase Ink Business Cash^SM offers, but the coverage limit on purchase protection is actually quite a bit lower than Chase’s $10,000 limit per occurrence.

American Express SimplyCash Plus Drawbacks

The spending requirement is among the highest we’ve seen for rewards less than $1,000. And you’ll want to avoid this card when traveling overseas, not only because you’ll pay foreign transaction fees, but because American Express isn’t as widely accepted as Visa or Mastercard.

American Express SimplyCash Plus Reviews

American Express SimplyCash reviews online are generally positive. Users love the flexibility to pick their spending category for 3% cash back rewards. However, many also wish that there were introductory rewards as well. Check out our American Express SimplyCash Plus reviews page to read more or leave a review.

How to Apply for American Express SimplyCash Plus

You can fill out an online form to apply for the American Express SimplyCash Plus card on American Express’ website, and you could receive a decision in as little as 30 seconds. Once approved, your card will arrive in the mail within seven to 10 days.

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Chase Ink Business Preferred℠: Best Small Business Credit Card for Travel Rewards

The Chase Ink Business Preferred℠ credit card is best for businesses that travel moderately. It offers 3x points for travel purchases with a modest $95 annual fee, lower than the $450 the American Express Business Platinum charges. If you spend $5,000+ in your first three months of opening an account, you could earn 80,000 reward points, which you could turn into the most lucrative bonus on our list.

Chase Ink Business Preferred℠ Costs

Financing costs and fees on the Chase Ink Business Preferred^SM include:

• Introductory APR: None
• Ongoing APR: Variable rate of 17.99% to 22.99%
• Annual fee: $95
• Balance transfer fee: Greater of $5 or 5% of the balance transferred

The ongoing APR is among the highest on our list, so it’s best to avoid the Chase Ink Business Preferred^SM if you have to carry a balance. This is also the first of our cards that charges an annual fee, although another of the best business rewards credit cards levies a much higher annual fee of $450, so this Chase card’s $95 shouldn’t necessarily scare you away.

Chase Ink Business Preferred℠ Rewards

The Chase Ink Business Preferred℠ card offers top-notch rewards on travel spending (3x per dollar), while charging an annual fee under $100. There’s one other card on our list that offers better ancillary travel benefits—the American Express Business Platinum. But for most businesses with travel budgets, Chase Ink Business Preferred℠ is the better pick because it has a much lower annual fee ($95 versus $450) and higher introductory rewards.

Introductory Rewards

Earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening. Rewards points can be redeemed for airfare or other paid travel through Chase, gift cards, or statement credits against eligible charges. Cardholders also can transfer points to airline and hotel partners. When redeemed for travel, the points are worth $1,000, well above other cards on our list.

Ongoing Rewards

Earn the following rewards when using your card:

• 3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year in these categories: Travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services.
• 1 point per dollar spent on everything else.

If your business spends heavily in the three-point categories, this card may well be worth it to you. Only the American Express Business Platinum offers higher rewards (5x) on travel, shipping, and advertising spending, but you’ll pay a higher annual fee of $450.

Chase Ink Business Preferred℠ Additional Features

As you should expect with a card that charges an annual fee, Chase Ink Business Preferred℠ includes some premium benefits like auto rental insurance, but it also comes with perks other cards on our list don’t offer, including cell phone protection and trip cancellation insurance.

Chase Ink Business Preferred℠ offers the following additional features:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Cell phone protection: You and your employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
• Trip cancellation/delay insurance: If your trip is canceled, you can be compensated up to $5,000 for pre-paid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Chase Ink Business Preferred℠ Drawbacks

The Chase Ink Business Preferred℠ card is not a good choice for businesses looking for an interest-free period on purchases or balance transfers. The card also lacks bonus rewards for spending on office supplies, restaurants, and gas, like you’d find on the American Express SimplyCash Plus.

Chase Ink Business Preferred℠ Reviews

Reviews of the Chase Ink Business Preferred℠ card are also extremely positive. While the card charges an annual fee, cardholders love the high introductory rewards and the ongoing points that they earn on so many different purchases. One of the most frequent comments is that more people wished they had a better credit score to be able to qualify.

How to Apply for the Chase Ink Business Preferred℠

You can apply online to see if you qualify for the Chase Ink Business Preferred℠ card and get an answer within minutes. You may be required to verify some business information offline, depending on your situation, but once approved, you’ll typically be able to use your card when you receive it in seven to 10 days.

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Bank of America® Alaska Airlines Business Card: Best Small Business Card for Introductory Airline Rewards

The Bank of America® Alaska Airlines Business Card is best for businesses that fly this airline frequently and can take advantage of the introductory companion fare plus 30,000 bonus miles after you spend $1,000 in the first 90 days. This card comes with no introductory APR; it’s ongoing APR is a variable 16.99% to 24.99%.

Bank of America® Alaska Airlines Business Costs

Financing costs and fees on the Bank of America® Alaska Airlines Business card include:

• Introductory APR: None
• Ongoing APR: Variable rate of 17.24% to 25.24%
• Annual fee: $50 for the company and $25 per card
• Balance transfer fee: Greater of $10 or 4% of the amount of each transaction

This card offers no 0% introductory APR, so it’s not a good fit for a company that needs to finance a large purchase or transfer an existing balance from a high-interest credit card. The ongoing APR is on the high side as well, when compared with other cards on our list.

Bank of America® Alaska Airlines Business Rewards

The Bank of America® Alaska Airlines Business card is a great value simply because of its companion fare, which allows you to buy one ticket and get another for just the cost of taxes and fees (starting at $22). This benefit could easily more than pay for the cost of this card’s annual fee and is available on very few travel rewards cards.

Introductory Rewards

Earn a companion fare and 30,000 bonus miles after you make at least $1,000 in purchases on your card within the first 90 days. Just two other cards on our list offer a companion fare—Southwest Rapid Rewards Premier® Business and the CitiBusiness/AAdvantage Platinum Select World Mastercard. This can be an extremely lucrative perk.

Ongoing Rewards

The Bank of America® Alaska Airlines Business card offers the following ongoing rewards:

• Three miles for every dollar spent with Alaska Airlines.
• One mile for every dollar spent in other purchases.
• Companion fare for each card anniversary. Each year on your account anniversary, get a companion fare starting at $121.

The companion fare reward is the easiest and cheapest to obtain among the cards on our list that offer companion fares, including the Southwest Rapid Rewards Premier® Business and the CitiBusiness/AAdvantage Platinum Select World Mastercard.

Bank of America® Alaska Airlines Business Additional Features

Along with the companion fare benefit, this card also offers another perk that most cards don’t have, and is more generous than the ones that do: a free checked bag. The card holder and up to six passengers traveling on the same reservation may check one bag free of charge when flying.

Bank of America® Alaska Airlines Business Drawbacks

If Alaska Airlines isn’t the airline you use most often for business travel —or you need a travel rewards card that offers points or miles for all flights—stick with something like the Chase Ink Business Preferred℠. While this business credit card offers great introductory and ongoing travel rewards plus travel-related perks, the rewards are specifically for Alaska Airlines.

Bank of America® Alaska Airlines Business Reviews

Customer reviews of the Bank of America® Alaska Airlines Business card are very positive. Although it carries an annual fee for each business and individual card, cardholders note that the card offers ongoing rewards superior to most travel cards. Many customers aren’t aware that Alaska Airlines serves more than 900 destinations, but many who find they can use the rewards love this card. We found no negative feedback in online reviews.

How to Apply for the Bank of America® Alaska Airlines Business

You can apply for the Bank of America® Alaska Airlines Business card directly through the Bank of America® website. Approval can be as quick as just a few minutes and you can receive your card within seven to 10 business days. Visit Bank of America® to see if you qualify.

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Bank of America® Platinum Visa® Business: Best Business Credit Card for the Lowest APR

The Bank of America® Platinum Visa® Business offers the lowest ongoing APR range among the cards on our list (11.49% to 22.49%) and charges no annual fee, making it right for anyone who’s looking for a low-cost option. This card also offers one of the easiest ways to trigger an introductory bonus, only requiring you to spend $500 in the first 60 days to get a $200 credit statement.

Bank of America® Platinum Visa® Business Costs

Financing costs and fees on the Bank of America® Platinum Visa® card include:

• Introductory APR: 0% APR on purchases for seven billing cycles
• Ongoing APR: 11.49% to 22.49% variable APR on purchases and balance transfers
• Annual fee: None
• Balance transfer fee: Either $10 or 4% of the balance transferred, whichever is greater

This card offers no introductory 0% financing on balance transfers, and charges a high balance transfer fee—although not quite as high as the Cash Ink Business Cash℠ card. Choose this card only if you need access to cheap ongoing financing. There are several better options on our list for introductory purchases and balance transfers.

Bank of America® Platinum Visa® Business Rewards

The Bank of America® Platinum Visa® Business card offers an introductory award that is as easy to trigger as any other card on the list, but the card lacks a strong ongoing rewards program. The $200 introductory bonus is quite low compared with other cards on this list.

Introductory Rewards

If you apply online, you can receive a $200 statement credit bonus after you make at least $500 of net purchases in the first 60 days your account is open.

Ongoing Rewards

The Bank of America® Platinum Visa® Business card doesn’t offer a rewards program as an opportunity to earn either points or cash back. It is the only card on our list that doesn’t offer ongoing rewards

Bank of America® Platinum Visa® Business Additional Features

This card doesn’t offer many additional bells and whistles, especially when compared with some of the other best small business credit cards on our list. The only additional feature worth noting is travel accident insurance, which is also available on the Bank of America® Business Advantage Travel Rewards World Mastercard®.

The additional feature the Bank of America® Platinum Visa® Business card offers is:

• Travel accident insurance: You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

Bank of America® Platinum Visa® Business Drawbacks

Bank of America® Platinum Visa® is the only card on our list that doesn’t offer ongoing rewards. But this is an affordable card if you plan to carry a balance because it offers the lowest APR range among the best small business credit cards.

Bank of America® Platinum Visa® Business Reviews

Reviews for the Bank of America® Platinum Visa® Business card are generally mixed. Customers love the lack of an annual fee, low APR, and relatively low qualification requirements. However, many wish that the card gave them the chance to earn higher introductory or ongoing rewards.

How to Apply for the Bank of America® Platinum Visa® Business

You can apply online for a Bank of America® Platinum Visa® Business card. Once you fill out the application form with your basic personal and business information, you’ll typically get an instant approval or rejection. Once approved, you’ll receive a card in the mail within seven to 10 days.

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American Express Blue Business Plus: Best 0% Interest Small Business Credit Card

American Express Blue Business Plus offers a 15-month, 0% introductory APR and ongoing rewards of as much as 2x points per dollar spent. The 0% period on purchases and balances transfers is the longest on our list and ideal for business owners planning to finance large purchases or transfer another card balance and pay it off over time. Ongoing APR is a variable 13.24% to 21.24%.

American Express Blue Business Plus Costs

Financing costs and fees on the American Express Blue Business Plus include:

• Introductory APR: 0% for 15 months on purchases and balance transfers
• Ongoing APR: Variable 13.24% to 21.24%
• Annual fee: None
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater

Along with one of the longest 0% interest introductory periods available, American Express Blue Business Plus charges a balance transfer fee that is lower (at 3%) than other credit cards on our list, which charge 4% or 5%. That lower fee could save you hundreds of dollars in finance charges, depending on how big the balance you seek to transfer is. The ongoing APR isn’t quite as low as you’ll find on the Bank of America® Platinum Visa® Business (11.24% to 22.2%).

American Express Blue Business Plus Rewards

Cardholders will earn fixed-rate rewards of two points per dollar on all spending up to $50,000, which means there are no bonus categories to track, like for gas or airline purchases. This differs from some of the other best business rewards credit cards, which may offer larger rewards in certain purchasing categories, like office supplies.

Introductory Rewards

This card does not currently offer an introductory reward. This is one of two cards on our list that don’t offer introductory rewards, including the GM BuyPower Business Card.

Ongoing Rewards

The American Express Blue Business Plus card offers ongoing reward points including:

• 2x points on all purchases up to $50,000 each year.
• 1x points on all additional purchases.

Membership Rewards points can be redeemed for airfare or other paid travel through American Express Travel, gift cards, or statement credits against eligible charges. Cardholders also can transfer points to airline and hotel partners.

American Express Blue Business Plus Additional Features

Like the American Express SimplyCash Plus, the American Express Blue Business Plus comes with solid protections against loss and damage, including:

• Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. American Express provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
• Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

The extended warranty protection is a full year longer than what Chase Ink Business Cash^SM offers, but the coverage limit on purchase protection is actually quite a bit lower than Chase’s $10,000 limit per occurrence.

American Express Blue Business Plus Drawbacks

The American Express Blue Business Plus card doesn’t offer any other introductory rewards. Ongoing rewards are also lower than some small business credit cards that offer 5% returns on spending in bonus categories, like office supply purchases.

American Express Blue Business Plus Reviews

Reviews of the American Express Blue Business Plus card online are excellent. Although the card doesn’t offer rewards as high as some other cards, customers flock to the card for the long introductory 0% APR and note that it’s very easy to transfer an existing balance to the card and pay it off over time. We found no negative reviews for this card.

How to Apply for American Express Blue Business Plus

The American Express Blue Business Plus credit card is available directly from the American Express website and comes with a 15-month, 0% introductory APR. You can get approved in seconds and receive your card in as little as seven days.

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American Express Business Platinum: Best Business Credit Card for $20,000+ Purchases

The American Express Business Platinum card is best for businesses that can spend $20,000 within three months to earn the introductory 75,000 bonus points. At $450, this card’s annual fee is significantly more expensive than the Capital One Spark Miles card ($95, waived the first year). This charge card carries no APR because you must pay your balance in full each month.

American Express Business Platinum Costs

The American Express Business Platinum card is a charge card, so you must pay it off every month. While there is no APR cost, you’ll only offset the annual fee cost if you use the card quite a bit to travel, and you’ll still have to pay a late penalty if you miss a payment ($38 or 2.99% of any past due amount, whichever is greater).

Financing costs and fees on the American Express Business Platinum include:

• Introductory APR: None
• Regular APR: None (you must pay off your balance every month)
• Annual fee: $450
• Balance transfer fee: Transfers are not allowed

The $450 annual fee you’ll pay is the highest among the cards on this list. But perks like free airport lounge access and reimbursement for Global Entry or TSA PreCheck airport screening programs mean this card carries well more potential value than any other card on our list.

American Express Business Platinum Rewards

The American Express Business Platinum card offers strong rewards for airplane travelers and business owners who frequently stay in hotels. You’ll earn five points per dollar spent on airfare and hotels booked through American Express Travel. That’s three points more than Capital One Spark Miles offers. The introductory rewards are worth $750 or more when redeemed for travel.

Introductory Rewards

Earn up to 75,000 Membership Rewards points within your first three months of opening your account if you make $20,000 in purchases:

• Earn 50,000 points after you spend your first $10,000.
• Receive an extra 25,000 points after you spend an additional $10,000.

Those points are worth $750+ when redeemed for travel. The Business Platinum offer falls well short of the $2,000 in cash bonuses you can earn when you spend $50,000 within six months on the Capital One Spark Cash card.

Ongoing Rewards

Earn the following rewards when using your card:

• 5x points on eligible flights and hotels.
• 1.5x points per dollar on purchases of $5,000 or more, up to 1 million additional points per year.
• 1x points on all other spending.

No other card on our list offers a better return on airfare or hotel purchases, and the Business Platinum is the only card to offer bonus points on purchases of $5,000 or more. That makes this card ideal for businesses looking for high-limit credit cards to make large purchases.

American Express Business Platinum Additional Features

The ongoing rewards alone probably aren’t enough to justify the $450 annual fee. The exceptional suite of benefits, including airport lounge access and other travel perks, though, more than make up for the annual fee if you own a business that can take advantage of them.

The American Express Business Platinum card includes:

• American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than one dozen U.S. airports.
• Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,000 lounges worldwide for you and two guests.
• Airport screening: Either a $100 statement credit for Global Access or $85 statement credit for TSA PreCheck once every four years.
• Travel credit: A $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• Rental status: Elite status at a number of car rental agencies.
• Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.

Express Business Platinum Drawbacks

There are no rewards for businesses that don’t spend a lot of time or money traveling. Other cards offer a better return on everyday spending, including the American Express Blue Business Plus. Also, while it provides the best rewards to businesses that spend a lot of money each month on their credit card, you’re required to pay it off each month.

American Express Business Platinum Reviews

Reviews online of the American Express Business Platinum card are excellent. Cardholders consider the Business Platinum card to be the best in its class, with tremendous rewards for flights, hotels, and other expenses. People who left a negative review of American Express Business Platinum Card are not happy with the high annual fee. Check out our American Express Business Platinum reviews page to read more or leave a review.

How to Apply for the American Express Business Platinum

You can sign up for an American Express Business Platinum card by filling out an online application that only takes a few minutes. You could get a decision in as quick as 30 seconds and be using your card within two to three days.

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Chase Ink Business Unlimited℠: Best Business Credit Card for Flat Cash Back Rewards

Chase Ink Business Unlimited℠ is best for businesses that want to earn fixed-rate rewards and a solid sign-up bonus. It pays 1.5% cash back on all spending and $500 cash back after you spend $3,000 in the first three months. That’s a lower return than some other fixed-rate, cash back cards on our list—like the Capital One Spark Cash—but some of those cards charge an annual fee. Ongoing APR is 15.24% to 21.24%.

Chase Ink Business Unlimited℠ Costs

Financing costs and fees on the Chase Ink Business Unlimited^SM include:

• Introductory APR: 0% for 12 months on purchases and balance transfers
• Ongoing APR: Variable rate of 15.24% to 21.24%
• Annual fee: None
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The balance transfer fee is higher than the 3% charged by the American Express Blue Business Plus card and will reduce the savings you receive when you transfer a balance from a high-interest card. The length of the introductory APR is about average among business credit cards that offer no-interest introductory periods.

Chase Ink Business Unlimited℠ Rewards

This card also comes with a great introductory bonus, especially because Chase Ink Business Unlimited^SM charges no annual fee. You’ll have to pay an annual fee to earn a welcome bonus higher than the $500 this card offers. Ongoing rewards are 1.5% cash back.

Introductory Rewards

Earn $500 cash back when you spend $3,000 in the first three months. That’s the same introductory offer as the Chase Ink Business Cash^SM offered.

Ongoing Rewards

Earn unlimited 1.5% cash back on all purchases, regardless of spending category. That’s lower than the 2% cash back the Capital One Spark Cash offers.

Chase Ink Business Unlimited℠ Additional Features

Chase Ink Business Unlimited℠ offers identical protections that also come with Chase Ink Business Cash^SM:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Note that the purchase protection benefit lasts longer than the 90 days offered by the Capital One Spark Cash Select.

Chase Ink Business Unlimited℠ Drawbacks

The Chase Ink Business Unlimited℠ card reward rate is lower than some other cards on this list—especially in certain spending categories. The American Express SimplyCash Plus, for example, pays 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers on up to $50,000 in purchases during a calendar year, then 1% thereafter.

Chase Ink Business Unlimited℠ Reviews

Reviews for the Chase Ink Business Unlimited card are very good, although not as positive as reviews for the other Chase cards on this list. Customers like the 12-month introductory APR as well as the strong introductory rewards.

How to Apply for Chase Ink Business Unlimited℠

You can apply for the Chase Ink Business Unlimited℠ business card directly through Chase’s website. Once you apply, you can get an approval decision in just a few minutes. You should receive your card within seven to 10 days.

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Capital One Spark Cash: Best Business Credit Card for $8,000+ a Month in Credit Card Expenses

The Capital One Spark Cash card has a limited time introductory bonus that is best for businesses that can put at least $8,333 in charges a month on the card. The sign-up bonus is worth $2,000 when you make $50,000 in purchases within the first six months. That’s the highest welcome bonus among any card on our list (matched only by its twin, the Capital One Spark Miles). Ongoing APR is 18.74%.

Capital One Spark Cash Costs

Financing costs and fees on the Capital One Spark Cash include:

• Introductory APR: None
• Ongoing APR: Variable 18.74%, which adjusts with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

Capital One Spark Cash offers a very competitive annual fee of $95 (waived the first year) compared with other high credit limit credit cards. Only the American Express Blue Business Plus charges less ($0 annual fee). If you must finance your high-limit balance, the APR on this card is about average for cards on this list.

Capital One Spark Cash Rewards

This card pays 2% cash back on all spending, the highest flat-rate cash back return among the cards on this list. Other cards offer higher returns in bonus category spending, like the 5x points the American Express Business Platinum card pays on airfare and hotels. The Business Platinum fares much worse in everyday spending at 1x points. The introductory rewards are the highest on our list.

Introductory Rewards

Earn the following introductory rewards with this card:

• Earn a $500 cash bonus when you spend $5,000 in the first three months of account opening.
• Earn a $1,500 cash bonus when you spend $50,000 in the first six months.

Ongoing Rewards

Earn unlimited 2% cash back on all purchases.

The introductory reward on the Capital One Spark Cash is potentially more lucrative than any other card on our list. You’ll have to spend $50,000 within the first six months to claim that bonus, which shouldn’t be hard for any business looking for a high-limit credit card.

Capital One Spark Cash Additional Features

Capital One offers several perks through its Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card.

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days the American Express Blue Business Plus offers. The Chase Ink Business Preferred^SM offers other perks, like cell phone insurance, that this card doesn’t offer.

Capital One Spark Cash Drawbacks

There are other cards with better rewards in specific expense categories, like the Chase Ink Business Preferred, which pays three points per dollar on travel, shipping, and advertising on search engines. Still, receiving 2% cash back on all purchases is great for businesses that spend in a variety of different categories or don’t want to track category spending.

Capital One Spark Cash Reviews

Online reviews of the Capital One Spark Cash card are generally excellent. Overall, customers love the strong cash back rewards program. There have been a few complaints in some reviews online, but these are mostly individual customer issues. On the whole, customers report a positive experience with the Capital One Spark Cash card.

How to Apply for Capital One Spark Cash

You can apply online for a Capital One Spark Cash business card and you’ll typically get an immediate decision. Once approved, you’ll get your card in seven to 10 business days.

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Capital One Spark Miles: Another Business Credit Card for $8,000+ in Monthly Spending

Like the Capital One Spark Cash, the Capital One Spark Miles has an introductory bonus that is best for businesses that can put at least $8,333 in charges a month on the card. You’ll earn 200,000 miles (worth at least $2,000 in travel) when you make $50,000 in purchases within the first six months. Spark Miles is a great option for business owners who travel frequently but don’t want to pay a premium annual fee, like the $450 required on the American Express Business Platinum. Ongoing APR is 18.74%.

Capital One Spark Miles Costs

Financing costs and fees on the Capital One Spark Miles include:

• Introductory APR: None
• Ongoing APR: Variable 18.74%, which adjusts with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

The Capital One Spark Miles is one of just two business credit cards on our list—along with the Capital One Spark Cash—that has an annual fee, but waives it for the first year. This could be a solid benefit if you want to test-drive a card, but aren’t sure if you want to keep it.

Capital One Spark Miles Rewards

The Capital One Spark Miles card offers the best flat-rate business travel rewards on our list, giving you 2x miles on every purchase. That’s not quite as good as the 3x points you’d earn by paying for your airfare with the Chase Ink Business Preferred^SM, but that card pays just 1x points on non-bonus spending. The introductory rewards are the highest on our list.

Introductory Rewards

Earn the following introductory rewards with this card:

• Earn 50,000 miles when you spend $5,000 in the first three months of account opening.
• Earn 150,000 miles when you spend $50,000 in the first six months.

Ongoing Rewards

Earn 2x miles on every purchase. There are no minimums you must meet in order to redeem these reward miles.

The introductory reward on the Capital One Spark Miles is potentially more lucrative than any other card on our list. You’ll have to spend $50,000 within the first six months to claim that bonus, which shouldn’t be hard for any business looking for a high-limit credit card.

Capital One Spark Miles Additional Features

Like Capital One Spark Cash, Capital One Spark Miles offers several perks through Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card.

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days some other cards, like the Chase Ink Business Preferred℠, offer.

Capital One Spark Miles Drawbacks

You won’t get any cash back or enhanced bonus category rewards. You could earn as much as 5% points on U.S. purchases at office supply stores with the American Express SimplyCash Plus, or more than twice what you’d earn with the Capital One Spark Miles. If you don’t travel much by plane, then this isn’t a very good card for you.

Capital One Spark Miles Reviews

Capital One Spark Miles reviews online are very good. Many cardholders note the lack of an introductory APR and some complain that the rewards are focused on travel rather than more flexible cash-back rewards. However, most customers report a positive experience with the card.

How to Apply for Capital One Spark Miles

You can get the Capital One Spark Miles card by filling out an online application with your personal and business information. You will either be approved immediately or be required to submit proof of income by mail. Once approved, you’ll receive your card in seven to 10 business days.

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Bank of America® Business Advantage Travel Rewards World Mastercard®: Another Business Credit Card for Business Travel

The Bank of America® Business Advantage Travel Rewards World Mastercard® offers a fairly standard 0% introductory APR on purchases for the first nine billing cycles. What sets it apart are the 3x points per dollar spent on travel purchases and the lack of foreign transaction fees. The ongoing APR is a variable 13.49% to 23.49%.

Bank of America® Business Advantage Travel Rewards World Mastercard® Costs

Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard® include:

• Introductory APR: 0% on purchases for nine billing cycles
• Ongoing APR: Variable 13.49% to 23.49% APR
• Annual fee: None
• Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater

Like the other Bank of America cards on our list, the Bank of America® Business Advantage Travel Rewards World Mastercard® offers an excellent ongoing APR for applicants with excellent credit. There are plenty of cards that offer a longer 0% introductory rate, and, of course, there’s no introductory offer on balance transfers, meaning you’ll pay the ongoing APR.

Bank of America® Business Advantage Travel Rewards World Mastercard® Rewards

The Bank of America® Business Advantage Travel Rewards World Mastercard® rewards your purchases on a points system. These points never expire and you can redeem them for travel, cash back, or gift cards.

Introductory Rewards

Earn 25,000 bonus points when you make at least $1,000 in net purchases in the first 60 days of your account opening. These points can be redeemed for a $250 statement credit toward travel purchases. That’s low compared with other cards on our list, including the Chase Ink Business Cash^SM, which offers $500 cash back after spending $3,000 within the first three months.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

• 3 points per dollar spent on travel purchases (car, hotel, and airline) booked through Bank of America® Travel Center.
• 1.5 points for every dollar spent on all purchases, regardless of how much you spend.

When you enroll in the Business Advantage Relationship Rewards program, you can get an additional 25% to 75% rewards bonus on every purchase you make. That means you can earn up to an unlimited 2.62 points on all purchases, which is a higher rate than any other card on this lists offers for everyday spending. But to earn that rate, you have to have at least $100,000 in deposits or investments with the bank.

Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features

Much like the other Bank of America cards on this list, the Travel Rewards Mastercard doesn’t come with nearly as many perks as the other best business rewards credit cards. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

Bank of America® Business Advantage Travel Rewards World Mastercard® Drawbacks

Cardholders won’t receive great rewards for your office expense purchases, like the American Express SimplyCash Plus offers. This card is mainly only for borrowers who travel frequently.

Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews

Customer reviews of the Bank of America® Business Advantage Travel Rewards World Mastercard® are generally very positive. Cardholders enjoy the rewards they can earn with the card, but they don’t like that rewards aren’t as high as those provided by some other cards.

How to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard®

You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® by filling out a basic online application and potentially getting an instant approval. The whole process can be completed within a matter of a few minutes, and you’ll receive your card within seven to 10 days.

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Southwest Rapid Rewards Premier® Business: Best Small Business Credit Card for Southwest Airlines Rewards

The Southwest Rapid Rewards Premier® Business card is best for businesses that frequently use Southwest Airlines because they offer increased rewards for expenses with Southwest Airlines and its hotel and car rental partners. If Southwest isn’t your primary carrier or you want more flexible travel rewards options, a card like Chase Ink Business Preferred℠ is a better choice. Ongoing APR is a variable 17.99% to 24.99%.

Southwest Rapid Rewards Premier® Business Costs

Financing costs and fees on the Southwest Rapid Rewards Premier® Business credit card include:

• Introductory APR: None
• Regular APR: Variable 17.99% to 24.99%
• Annual fee: $99
• Balance transfer fee: $5 or 5% of the transfer, whichever is more

The ongoing APR on this card is fairly high compared with other cards on this list, so if you plan to carry a balance, you should choose a card that offers a lower interest rate.

Southwest Rapid Rewards Premier® Business Rewards

The best rewards for the Southwest Rapid Rewards Premier® Business card come from purchases with Southwest Airlines and their hotel and rental car partners. This card should not be used on non-Southwest expenses (one point for every dollar spent), as other cards on this list offer higher returns.

Introductory Rewards

Earn 60,000 points when you spend $3,000 in the first three months. That could be worth up to $600 in travel, which is a higher reward than the $500 cash back you’d earn with the Chase Ink Business Cash^SM card.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

• Earn two points for every $1 spent on Southwest Airlines purchases.
• Earn two points for every $1 spent with Rapid Reward Hotel and Car Rental partners.
• Earn one point for every $1 spent on all other purchases.
• Earn 6,000 bonus points on every cardmember anniversary.

The travel rewards on this card aren’t as good as what you’d earn with the Chase Ink Business Preferred^SM, which pays 3x points on travel.

Southwest Rapid Rewards Premier® Business Additional Features

Southwest offers one of the potentially most lucrative perks you’ll find on a travel rewards credit card: a companion pass. Unlike the companion fare offered by the Bank of America® Alaska Airlines Business card, this pass is good all year—but it’s not cheap.

You’ll need to earn 110,000 qualifying points or take 100 qualifying one-way flights in a calendar year to earn a companion pass, which gets your guest on a flight you’ve bought a ticket for free, minus taxes and fees. Collecting the sign-up bonus only gets you halfway to the number of points you’ll need.

Southwest Rapid Rewards Premier® Business Drawbacks

If you don’t regularly use Southwest or their partners, this isn’t a good card for you. Other business travel rewards cards that offer rewards on all flight purchases may be a more flexible option. This is an ideal card if you frequently travel with Southwest or use one of their Rapid Rewards hotel or car rental partners.

Southwest Rapid Rewards Premier® Business Reviews

Reviews of the Southwest Rapid Rewards Premier® Business card online are mostly positive. Customers mostly appreciate the travel rewards that the card offers, although they do note that rewards are not as flexible as some other cards. While some customers report issues enrolling with the correct introductory reward, these complaints are mostly limited to individual incidents.

Where to Get Southwest Rapid Rewards Premier® Business

You can apply for the Southwest Rapid Rewards Premier® Business credit card online through Southwest’s secure website. Approval can take seven to 10 days but once you’re approved, you’ll get your card in about a week.

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GM BuyPower Business Card: Best Small Business Credit Card for a Fleet of Vehicles

Businesses with large fleets of GM vehicles will find the GM BuyPower Business Card the best option because you get 5% on GM parts and service as well as well as 3% on gas. That gas reward is equivalent to what the Bank of America® Business Advantage Cash Rewards Mastercard® offers. Ongoing APR is a variable 18.74%.

GM BuyPower Business Card Costs

Financing costs and fees on the GM BuyPower Business Card include:

• Introductory APR: 0% APR on purchases for the first 12 months
• Ongoing APR: Variable 18.74%
• Annual fee: None
• Balance transfer fee: Balance transfers are not allowed

The ongoing APR is relatively high compared with other cards on this list. If you think you’ll need to carry a balance—even occasionally—choose a card that charges an ongoing APR of 15% or less, like the Bank of America® Platinum Visa® card, which offers an APR as low as 11.22%.

GM BuyPower Business Card Rewards

The GM BuyPower Business Card provides some of the best rewards in the industry for basic business purchases like gas and office supplies. Unlike most of the cards on this list, there are no introductory rewards, which makes the GM BuyPower Business Card slightly less attractive.

Introductory Rewards

The GM BuyPower Business Card does not offer introductory rewards, similar to the American Express Blue Business Plus.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

• Earn 5% on purchases of GM parts, accessories, and service at authorized GM dealers.
• Earn 3% on purchases at gas stations, restaurants, and office supply stores.
• Earn 1% on all other purchases.

Your rewards may be redeemed as a credit against the purchase price or down payment of a GM vehicle. No other card on our list offers rewards on vehicle purchases.

GM BuyPower Business Card Additional Features

The GM BuyPower Business offers some of the basic perks you’ll find on other small business credit cards, including World Mastercard protections like:

• Extended warranty protection: Doubles the original manufacturer’s warranty for up to one year when you pay with your BuyPower Business Card (vehicle purchases are excluded).
• Purchase protection: Covers you in case of damage or theft for up to 90 days after purchasing an item. Coverage is capped at $1,000 per item and $50,000 per year.

Other cards offer more robust versions of these protections by either extending the warranty for up to two years (American Express Blue Business Plus) or covering damage or theft for up to 120 days (Chase Ink Business Preferred^SM).

GM BuyPower Business Drawbacks

The GM BuyPower card isn’t a good fit if you’re looking for a straight cash back or travel rewards card. It is great for those operating a fleet, but in order to unlock the best rewards, you must have a fleet of GM vehicles.

GM BuyPower Business Reviews

Online reviews of the GM BuyPower Business credit card are mostly positive. Customers love the 12-month, 0% introductory APR as well as the ongoing rewards. However, some cardholders complain that rewards can only be used toward buying or leasing a new GM vehicle, which doesn’t always match up with their business plans.

How to Apply for the GM BuyPower Business Card

You can get the GM BuyPower Business Card through Capital One by applying online. You could receive an answer in as quick as 60 seconds, and once approved, you’ll receive your card in about one week.

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CitiBusiness/AAdvantage Platinum Select World Mastercard: Best Small Business Credit Card for American Airline Rewards

The CitiBusiness/AAdvantage Platinum Select World Mastercard offers 70,000 introductory bonus miles for qualifying new cardholders as well as one to two miles for every dollar spent. This card is best for business owners who frequently fly American Airlines. Other cards offer better rewards for general spending. Ongoing APR is a variable 17.49% to 25.49%.

CitiBusiness/AAdvantage Platinum Select World Mastercard Costs

Financing costs and fees on the CitiBusiness/AAdvantage Platinum Select World Mastercard include:

• Introductory APR: None
• Regular APR: Variable 17.49% to 25.49%
• Annual fee: $99, waived for the first year
• Balance transfer fee: Balance transfers are not allowed

If you’re looking for 0% introductory offer, you’d be better off choosing another card like the American Express Blue Business Plus (15 months free financing on purchases and balance transfers).

CitiBusiness/AAdvantage Platinum Select World Mastercard Rewards

The best rewards come from using the CitiBusiness/AAdvantage Platinum Select card on American Airlines travel, and those rewards give you the ability to do more traveling with American Airlines. You can receive three points or more on airline spending with other cards, although this card is still a good deal if you’re an American Airlines’ loyalist.

Introductory Rewards

You can earn 70,000 American Airlines AAdvantage bonus miles when you purchase $4,000 in the first four months of your account being open. That bonus could be worth $700 in travel.

Ongoing Rewards

You’ll receive American Airline miles for the following purchases:

• Earn two miles for every $1 spent at gas stations and certain telecommunications merchants, car rental merchants, and cable and satellite providers.
• Earn two miles for every $1 spent on American Airline purchases.
• Earn one mile for every $1 spent on all other purchases.

You’ll earn more travel rewards (3x) with the Chase Ink Business Preferred^SM card, and you’re not restricted to earning points on American Airlines flights.

CitiBusiness/AAdvantage Platinum Select World Mastercard Additional Features

Like the Southwest Rapid Rewards Premier® Business card, the CitiBusiness/AAdvantage Platinum Select World Mastercard offers a companion pass after you spend $30,000 in a year. The companion ticket costs $99 plus fees of $21.60 to $43.60 when the primary cardholder buys a ticket. That’s not quite as good as the free (minus fees) ticket Southwest offers.

Cardholders also will earn:

• One free checked bag per flight.
• Preferred boarding privileges for the cardholder and up to four other passengers.
• 25% savings on food and on-board Wi-Fi.

CitiBusiness/AAdvantage Platinum Select World Mastercard Drawbacks

If you don’t fly American Airlines constantly, then this isn’t the right card for you. This is a great card if you can benefit from the American Airlines-centric rewards system, but it’s missing any other type of reward.

CitiBusiness/AAdvantage Platinum Select World Mastercard Reviews

Customer reviews of the CitiBusiness/AAdvantage card are generally positive. Cardholders like the miles they can earn for ongoing expenses as well as the lack of foreign transaction fees. However, some cardholders have complained about customer service from Citi and also questioned whether the rewards are worth the annual fee. Read and respond to CitiBusiness/AAdvantage Platinum Select World Mastercard user reviews.

How to Apply for CitiBusiness/AAdvantage Platinum Select World Mastercard

You can apply online at Citi’s website or via phone to get the CitiBusiness/AAdvantage Platinum Select business card. Once approved, you’ll receive your card in about one week.

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Bottom Line

As you can see, there are plenty of great options for your next small business credit card. They can help you earn rewards, but the right one depends on your personal and business situation. However, the best cards with great rewards will only be available to prime borrowers, and the largest credit lines are only available to businesses with strong revenues. If you have bad credit (less than 600), you can still qualify for a secured credit card or a prepaid business credit card.

Our recommended small business credit card is the Chase Ink Business Cash℠ card. The card has no annual fee and you can earn $500 introductory cash back if you spend $3,000 in the first three months. It’s a great card to use for normal business expenses every month to earn cash back for spending you’re doing anyway. Apply online and you could be approved in a few minutes.

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