The Best Small Business Credit Cards of 2014

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Best Small Business Credit Cards

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.

CitiBusiness® / AAdvantage® World MasterCard®
CitiBusiness® / AAdvantage® World MasterCard®
Apply Now...
at CitiBank's
secure site
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.24% (Variable) $95, waived for the first 12 months
742 Average credit score approved for this card† 668 Lowest credit score approved for this card†

CitiBusiness ThankYou® Card
CitiBusiness ThankYou® Card
Apply Now...
at CitiBank's
secure site
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No annual fee *
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months N/A N/A 13.24%* Variable N/A
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

Finally, here is a popular prepaid debit card offer designed specifically for businesses.

PEX Visa® Prepaid Card For Business
PEX Visa® Prepaid Card For Business
Apply Online
  • Instantly fund employee purchases.
  • Gain 24/7 control over where and how much employees spend.
  • Save money - no surprise interest charges or overdraft fees.
  • Free Trial Period - No Monthly Fee for at least 2 months after you enroll
  • No transaction fees
  • No deposit fees
  • Cards are personalized with the cardholder's name
  • The funds on deposit are corporate funds - not employee-owned
Published or Updated: February 21, 2014
About 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.

Comments

  1. J says:

    Great Review.

    I am curious why you did not include the Simply Cash Business Card from American Express in the “Best Small Business Card” review.

    I have an “extremely” small business – maybe a couple hundred dollars a month in spending. I like the power of AMEX, but i really cant see the benefit (for me) to fork out the $185 for the Plum.

  2. Ryan says:

    I have had a Discover business card for the last 4 or 5 years and I’ve gotten tired of not being able to use it some places (especially online with some of the tech companies I have to work with). So I either have to make a payment via PayPal, check, or my personal credit card – none of which are my preference. I just applied for the Chase Ink Cash to replace the Discover Card I’ve had for so long. I just have to move all my automatic payments over to the Chase card when it arrives.

  3. Ryan says:

    I have had a Discover business card for the last 4 or 5 years and I’ve gotten tired of not being able to use it some places (especially online with some of the tech companies I have to work with). So I either have to make a payment via PayPal, check, or my personal credit card – none of which are my preference. I just applied for the Chase Ink Cash to replace the Discover Card I’ve had for so long. I just have to move all my automatic payments over to the Chase card when it arrives.

  4. Fred says:

    I started using a captial one card when I started travelling more and more. Next years flights around the world should be completely paid for. Can’t recommend the card enough!

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