Small Business Credit Cards Review

Small business credit cards are a great way to track business expenses and keep tangible records of all your small business related purchases and expenditures. Not only that, many small business credit cards now are being offered with the same kinds of perks, bonuses, and rewards that personal credit cards advertise.

The gold standard of small business credit cards is the American Express card. They have great commercials and good rates, but they are not the easiest small business credit cards to get.

Discover offers a great small business credit card called the Discover Business Card (OK it’s not a creative name, but it’s a good card), with a 0% introductory interest rate offer, 13.99% APR thereafter, no annual fee, and cash-back rewards ranging from 5% off business supplies, 2% off gasoline, 1% off most everything else, and up to 20% off online business-related purchases. You can read more about the Discover Business Card and apply for it online at:

http://www.apply-for-a-credit-card-now.com/creditcard/discover-business-card

CitiBusiness Card offers the same 12 month 0% introductory rate with no annual fee, and a regular APR of 8.25%, a better rate than Discover and the card still comes with some purchase discounts, if not cash-back rewards. CitiBusiness will also send you quarterly statements for your taxes or to give to your tax accountant, and your accountant will appreciate this enormously. It’s so much easier than that manila envelope full of little paper receipts. You can apply for CitiBusiness Card at:

https://www.citicards.com/cards/wv/cardDetail.do?screenID=922

If you simply must have that Amex card, check out the American Express Simply Cash Business Credit Card. It offers 5% cash back on gas, office supplies, and wireless services; a 0% 12-month introductory interest rate followed by a regular APR as low as 5.25% (based on your credit), and 3-30% off at companies like FedEx, Delta, Hertz, and more. Also, it does offer the option of carrying a balance or paying it off in full every month. Apply for that one at:

http://www.apply-for-a-credit-card-now.com/creditcard/amex-simplycash-business

For anyone who runs a small business, a small business credit card can really simplify record keeping and buying supplies and other business related items. To see more choices check out:

http://www.apply-for-a-credit-card-now.com/categories/business_credit_cards

It also is a good idea to talk with your lending institution about their business credit cards and lines of credit for small businesses.

Many banks and credit unions actively court small business customers by offering great packages of services that include checking accounts, savings, business CDs, lines of credit, business loans, and business credit cards. 

If you already do business with a regional bank or credit union, and like doing business there, ask them about their small business products. They might pleasantly surprise you.