This CreditShout guide was last updated on August 21, 2013.
business credit cardsFor many business owners, having a good business credit card can help manage cashflow and alleviate some of the hassles associated with running a small business. Having a good rewards business card is not only essential for managing cash flow but can also increase your bottom line through cash back and rewards earned.

Below we have highlighted some of the best business credit cards currently on the market. It’s important to find a card that compliments you existing spending, so we’ve tried to include a variety of different cards and rewards programs.

It’s also important to note that some of the cards below are credit cards, while others are charge cards. Charge cards have flexible spending limits but require you to pay off the balance in full each month.

A charge card like American Express Business Gold is a good choice for those looking for higher spending limits and better rewards, however if you are looking for a card to help with cash flow than a credit card like Capital One Spark Cash probably makes more sense.

Best Card For Cash Back: Capital One Spark Cash for Business
Capital One always likes to keep things simple. With the Capital One Spark Cash card you never have to worry about how to maximize your rewards, because you earn 2% cash back on ALL purchases.

We love this card because of the simplicity, and the fact that there are no complicated rewards categories to keep track of – you always know you’re earning cash back.

Capital One Spark Cash Rewards

  • Earn 2% cash back on every purchase.
  • Get a $100 cash bonus—just spend $1,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards

This card also is offering a $100 cash bonus after you make $1,000 in purchases during the first three months of your cardmembership, and an additional bonus of $50 after signing up for one or more employee cards, for a total of $150 potential bonus cash.


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CREDITSHOUT RATING:
The SimplyCash® Business Card from American Express is one of the most straightforward cash back cards on the market allowing you to earn up to 5% cash back at U.S. office supply stores, 5% cash back on services from U.S. wireless telephone service providers, 3% cash back on gasoline at U.S. stand-alone gas stations and 1% cash back on other eligible purchases. No limit to the amount of cash back you can earn.

This card is the most practical choice for those who just want to earn cash back automatically every month. Each month, any cash back you earn, is automatically credited to your statement. In other words, you don’t have to do a thing to collect your rewards. There is no annual fee with this card, which is a huge plus and you get all of the benefits and perks expected as an American Express cardholder.


CREDITSHOUT RATING:
If you are looking for the best credit card to help manage cash flow & earn cash back at the same time we recommend checking out The Plum® Card from American Express OPEN.

With the Plum Card you earn 1.5% cash back if you pay your balance in full within 10 days of the statement closing date. Unlike some of the other business cards, you earn a flat 1.5% on all purchases assuming you pay your balance off on time. We really like the Plum card because there are no confusing cash back categories or tiers to worry about.

In addition to earning cash back, this card can help you manage cash flow – If you pay at least 10 % of the balance from new activity on our billing statement you can defer payment of 90% of your new purchase until the closing date of your next billing cycle with no penalties. In other words, you can enjoy “Net-60” terms on new purchases. This is a very unique card and one we highly recommend for businesses who need some extra time each to pay for expenses each month.


CREDITSHOUT RATING:
The Business Gold Rewards Card from American Express OPEN has been recently revamped by American Express and the new program has earned it a top spot on this list. With this card you can earn 3x points on airfare, 2x points on purchases in the U.S. for advertising in select media, gasoline at U.S. stand-alone gas stations, and shipping and 1x points on other purchases.

Points can be redeemed for travel, a statement credit, or rewards from over 500 brands. The annual fee is also waved for the first year.

This is a great card for those who travel a lot and want to earn points for free airfare and hotel rooms. The points you earn with the Gold card are transferable to many different frequent flyer and rewards programs making this one of the most flexible options when it comes to earning and redeeming points and miles.

If you currently have a small business, or start up I also recommend checking out our Credit Cards for Start Up Businesses article.