Established Businesses Qualify for the Best Small Business Credit Card

Many business owners help control their cash flow with the use of the credit cards. But which card is best?

The one you choose must be a card that will work for your business and provide the level of credit you need to cover expenses during periods of the year (or of the month) when you might experience cash flow problems.

Here are the top 6 small business credit cards you can choose among:

AT&T Universal Business Rewards Card

With a 0% Annual Percentage Rate Interest on purchases for six months, this card is ideal for small business owners. For each dollar spent on eligible products, the account holder earns 5 Thank You Points.

For regular purchases of office supplies, gas for transportation and professional services you will earn 3 ThankYou Points and for all other purchases, 1 ThankYou Point is awarded.

You can acquire additional cards for employees and set the credit limits individually for those cards and the AT&T Universal Business Rewards Card carries no annual fee for the account.

Currently, the APR on these accounts is 16.99% but the six month 0% float can cut this drastically with good financial management. To qualify for an account you must have very good to excellent credit.

American Express Open Gold Card

There is no limit on membership award points you can earn and the points never expire. You can transfer balances to the card and earn points and you qualify for higher levels of award points when you shift more business purchases to the Gold Card.

You can issue additional cards to employees and use online management tools to track charges and conduct expense management.

The Business Platinum Card from American Express

If your business requires travel, this may be the credit card you need. With this account you gain access to the Club Rooms of Continental Airlines, Delta and Northwest Airlines which can make travel layovers more comfortable.

You also gain access to 1000 Regus business lounges in 450 cities that are internet-equipped. This card provides a concierge to assist with business and personal requests and access to premium car rentals.

Gold Delta Skymiles Business Credit Card

If you must travel frequently in your business why not earn skymiles at the same time? With no annual fee the first year and $95 annually in succeeding years, account holders can earn bonus miles and are awarded a $99 companion certificate each year the card is renewed.

That effectively cancels out the annual fee if you use the companion certificate. There is no limit to the number of miles you can earn with two miles awarded for each eligible dollar you spend on Delta and Northwest Airline purchases. There are no seat restrictions or blackout dates associated with claiming your Skymiles.

Chase INK Credit Cards

Chase offers three version of its INK business credit card. The INK card with Ultimate Rewards has no annual fee and a 0% introductory interest rate. Every dollar spent using this card is rewarded. The card is accepted worldwide

INK Bold with Ultimate Rewards has no finance charges as balance is due and payable in full each month. A flexible spending line helps business owners adjust their credit to meet current business needs and every dollar spent earns rewards.

There are no caps on awards and points do not expire. With premium travel benefits and business tools provided online for account holders, this is an ideal money-saving business credit card for those who can pay in full each month.

If you prefer cash back for your purchases rather than award points, this will be the ideal credit card for your business.

Rewards can be redeemed for checks when they reach $50. This card provides 3% cash back for purchases made at gas stations, restaurants, for office supplies and at home improvement stores.

Everything else earns 1% cash back. There is no annual fee and additional cards can be issued to employees of your business. The interest rate is variable and begins low but adjusts upward during the first six months after you open the account. The variable interest rate may change depending on credit history of the business.


As you realize, you can’t just pick a credit card without analyzing your business needs. The ideal business card is the one that will benefit you maximally and help you grow your business.

Of course, the optimal is to sign up for several different cards you can use for various expenses but that may be an unnecessary cost if your business is small and new on the market.

So, in other words, make sure to always analyze your business needs before rushing and signing up for the first business credit card offer you find out there.