The Best Small Business Credit Cards

Having a line of credit handy is extremely important for a small business.? Enter small business credit cards.? Not only do they provide credit, you can also find benefits such as cash back, rewards, flexible payment terms, separate tracking for business expenses, and more!

Below are some of the best small business cards.? See which one best suits your business needs.

Ink Cash(SM) Business ? $100 Bonus Cash Back

The Chase Ink Cash Business card offers up 3% cash back on eligible purchases in the categories home improvement, fuel, dining, and office supplies (limited to $2,000 in purchases per billing cycle).? All other purchases earn 1% cash back and the points are unlimited.? Redeem 5,000 points and that?s good for a $50 check!? This card also offers 10,000 bonus points after your first purchase ? good for $100 cash back!? If you shop through Chase Rewards Plus you can earn up to 10% back (you must enroll to make sure your points go through).

There?s a 0% introductory APR for 6 months (for purchases and balance transfers) and there is no annual fee for the card.? Have employees?? Add cards for them and earn points on their purchases as well.? You can also track expenses easily with alerts.

SimplyCash? Business Card from American Express OPEN

The SimplyCash card gives you cash back on your purchases and it is automatically credited to your following statement each month.? You get 5% cash back wireless services and office supply purchases; 3% back on automobile gasoline; and 1% back on all other purchases.? There is no limit to the cash back you can earn with this card.? Add employee cards to your account and earn cash back on their purchases as well.? Besides cash back, you can also save up to 10% automatically on your business expenses purchases at FedEx, Office Max?, Hertz?, and more with OPEN Savings? (this is automatic meaning you don?t have to buy through a special online store, you can buy anywhere for participating retailers).

You also get American Express? protection when you shop and travel (when using the card for purchases).? There are online tools to help you manage your expenses and track exactly where, when, and how company dollars are spent.

There?s a 0% introductory APR for either 6, 9, or 12 months depending on your credit-worthiness.? As this is a credit card you have the ability to pay over time.? There is no annual fee for this card.

Ink Bold(SM) with Ultimate Rewards(SM) ? $100 Bonus Cash Back

The Ink Bold with Ultimate Rewards card is actually a charge card, meaning you pay in full each month.? This means you aren?t paying interest.? There?s also no pre-set spending limit (you limit is based on your spending and payment patterns as well as other factors).

This is also a rewards card.? You get 10,000 bonus points after your first purchases ? good to redeem for $100 cash back.? You can earn up to 47,500 bonus points, every year, based on your spending (this bonus starts at $25,000 in spending annually).? You get 2 points for every $1 spent on airfare purchased online with your card through Ultimate Rewards.? all other purchases earn 1 point for every $1 spent with the card.? There are no rewards caps or expiration on your points.

With the card come enrollment in Ultimate Rewards which is a site that can help you with every step of your travel plans. You can redeem your rewards points for airline tickets for any class or destination with no blackout dates or restrictions.? You can also redeem for gift cards, merchandise, cash back, and more.? Speaking of airlines, you also get complimentary airport lounge access with? Priority Pass? (see card for details).

Dedicated Ink Business Advisors are at your disposal 24/7.? Extra cards for your employees are free.? Not only can you earn rewards faster with employee cards, but you can set spending limits on individual employee cards and you have access to customizable reports to track spending.

This card has a $95 annual fee, which is waived the first year.

The Plum Card(R) from American Express OPEN

Has your business been around for two or more years?? Do you have a strong credit history?? Do you have a positive cash flow?? If you answered yes to those questions then take a look at what the Plum Card has to offer you.

With the Plum Card, your business gets trade terms on purchases.? This means that if you pay in full within 10 days of your statement you get a 1.5% discount on your eligible purchases (you see the discount as a credit on your next statement).? Need more time to pay?? Pay 10% of your current balance (and any previous deferred balance) and take until your next billing cycle to pay in full without interest.? As this is a charge card, there is no pre-set spending limit.? Your purchasing power adjust with your spending habits (and other factors).

The annual fee on this card is waived the first year ($185 thereafter).

Along with attractive trade terms, you also get American Express? travel and buyer protection services, their Global Assist hotline, and small business benefits such as savings through OPEN Savings.

Gold Delta SkyMiles(R) Business Credit Card from American Express OPEN

Fly Delta or Northwest for business?? Take a look at the Gold Delta SkyMiles business card.? You start off with the opportunity to earn 25,000 bonus miles.? That?s already enough for a domestic roundtrip award ticket.? You get 20,000 points for your first purchase on the card.? You can earn an additional 5,000 by adding an additional 2 cards to your account.? Here?s how you earn miles: 2 miles for every eligible dollar spent on Delta and Northwest flights (with your card) and 1 mile for all other eligible dollars spent.? When you redeem your miles, you can use them for any Delta or Northwest seat with no blackout dates or restrictions, just use your Pay with Miles feature.? There is no limit to the amount of miles you earn and your miles do not expire as long as you use the card.

Here are some other features to the card: Check your first bag free on every Delta flight.? Every year you renew your card you can receive a $99 companion certificate.? As this is an OPEN card, you can save up to 10% automatically on purchases with retailers such as FedEx, Hertz? Hyatt Hotels & Resorts?, and more with OPEN Savings?.? You also get American Express? travel protection as well as their online management tools to hep you manage your cards.

There is no annual fee for the first year ($95 savings) and additional cards have no annual fee.

Business Gold Rewards Card(R) from American Express OPEN

American Express? Gold Card ? it?s what you think of when you hear ?gold card.?? This business card from Amex is part of American Express? Membership Rewards? program.? When you use your Business Gold Rewards Card on your business purchases and spend $50,000 per year you get 25,000 bonus points.? Your rewards points are unlimited, meaning there?s no limit to how many you can earn.? There?s also no expiration on your points.? You earn 3x points on purchases made through bonuspointsmall.com, 2x points when you book your travel through American Express, and for every other eligible dollar you spend, you earn 1 point.? Do your employees need cards for expenses?? You earn points on virtually all of their purchases when you add them to your account.? Points can be redeemed for things like office supplies, gift cards, travel, charity donations, and more.

The Business Gold Rewards Card is actually a charge card.? This means you pay the balance off every month.? This allows you to avoid and interest charges on balances and also gives you a flexible credit limit based on your spending and credit history.

As this is an OPEN card, you also save up to 10% automatically on retailers that are part of the program.? OPEN also provides networking opportunities and answers via their online forum as well as updated expert content on running a business.

You also get the features of American Express? travel assistance, purchase protections, and preferred entertainment event access.? Use the included tracking tools to see what your expense charges are and track employee cards on your account.

There is no annual fee for this card the first year ($125 thereafter).

Is a business credit card always the best option for you? No.? The CARD Act of 2009 put consumer protections in place for consumer cards but those protections aren?t mandatory for business cards.? Also, if your business expenses don?t justify a line of credit then you may be fine without a business card.? You may also find that you would be better off with a specific airlines miles card or travel rewards card that gives you better suited benefits than a card for your small business.

But if you are looking for a line of credit that?s separate from your personal cards or you are looking for a card that offers small business tools that will benefit you, like discounts or employee tracking, then a small business credit card can be a great choice.

What?s your favorite small business credit card?

*As you always should, make sure you read through the card details to make sure this card fits your needs and you understand the terms and conditions. Be aware that the terms may change after this article?s publication.

?Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author?s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.?

Source: http://freefrombroke.com/2011/05/the-best-small-business-credit-cards.html

green card lottery a beautiful mind starship labor day pope beretta ufc results