The Best Small Business Credit Cards of 2013

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Since I started my small business in 2007, I’ve used a business credit card for several reasons. First, it helps keep business expenses separate from personal expenses. Second, it helps my company build credit should I ever need to apply for a loan. And third, it makes preparing my tax returns at the end of the year much easier.

Picking a card that is best for you business can be a challenge. There are a number of business credit cards to choose from, all with different benefits, rewards and fees. One key to making the right choice is to understand how you’ll use your card. If you know the types of expenses (e.g., office supplies, gas, travel) you’ll charge to the card, choosing the right card will be a snap.

With that, here is my personal list of the best small business credit cards.

Best Business Cards for Travel

If you and your employees spend a lot of time on the road, there are several cards that offer some great benefits. The top cards allow you to earn the equivalent of 2% of your purchases for future travel. They also offer 0% APR introductory rates and reasonable annual fees. Here are the top travel rewards business credit cards:

Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†. Earn points even faster to get more rewards for your business. 3X points on airfare purchased from airlines. 2X points at US gas stations. Up to $100,000 in each category per year, then 1 point. Terms and limitations apply. Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business. $0 introductory annual fee for the first year, then $175. †Apply online to qualify for this offer. See offer terms for details.

Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel Get 1 Starpoint® for every dollar of eligible purchases. Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates. $0 introductory annual fee for the first year, then $65 Terms & restrictions apply.

Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline 20% Travel Bonus when using Membership Rewards® Pay with Points Take advantage of 40 premium benefits to help power your business Complimentary access to 600+ participating airport lounges through Priority Pass™ Select Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day Purchasing power that can adjust as your business evolves Terms & Restrictions Apply*

Get a 50% bonus on the miles you earn every year Earn 1 mile per dollar on every purchase, every day Save with 0% intro APR on purchases until December 2013 Enjoy no annual fee Get online Quarterly and Year-End Summaries There's no limit to the amount of miles you can earn and miles don't expire Fly on any airline, anytime, with no blackout dates or seat restrictions

Best Cash Back Business Cards

Sometimes all you want is the most cash rewards you can get. Whether it’s a cash bonus on sign-up, cash back on purchases, or both, you want a card that will ‘show you the money.’ If so, the following cards will fit the bill.

Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Do Business On Your Terms $0 introductory annual fee for your first year, then $250. No annual fee for Additional Cards Terms & Restrictions Apply

Get a 50% bonus on the cash back you earn every year Earn 1% cash back on every purchase, every day Save with 0% intro APR on purchases until December 2013 Enjoy no annual fee Get online Quarterly and Year-End Summaries Redeem cash rewards anytime, for any amount, even set up automatic redemption Earn unlimited cash rewards that don't expire

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are authors 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.

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Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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