Best Business Credit Cards of 2019

If you’re a small business owner who consistently spends money on office supplies and other typical business expenses, you should be earning rewards for your business spending. Our top-rated business credit cards will help you earn more cash back or travel points.

Mike Brown
Mike Brown
Updated: June 26, 2019

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In the immediate aftermath of the 2008 – 2009 financial crisis, there was little appetite for lending or borrowing between businesses. But over the past decade, banks and businesses have regained their appetites for credit, and the market for business credit cards has become extremely competitive

As credit cards have become an essential financial management tool for growing businesses, issuers have raised the bar to offer cash back, benefits, and rewards in the ever-expanding business credit card market. To provide you with the best possible comparison, we analyzed all of the major business credit cards using weighted averages across eight data categories to determine which cards have the most to offer. Here are our top picks.

LendEDU’s 10 Best Business Credit Cards

Marriot Bonvoy Business Amex

Marriot Bonvoy Business Amex

$125 annual fee 75,000-point sign-up bonus

Marriot Bonvoy Business Amex

  • 6x Marriot Bonvoy points for purchases at Marriot Bonvoy properties
  • 4x points at restaurants, gas stations, and on U.S. wireless telephone and shipping
  • 2x points for all other purchases
  • 75,000 Marriot Bonvoy Bonus points when you spend $3,000 in the first three months
Apply Now

on American Express's secure website

Intro APR

N/A

Regular APR

17.99% - 26.99% Variable APR

Annual Fee

​​$125

Credit Needed

Good/Excellent

Card Highlights

The Marriot Bonvoy Business card from American Express replaced the once popular SPG Amex card, but that may not be a bad thing. With this card, you can earn 6x Marriot Bonvoy points for purchase at Marriot Bonvoy properties, which include Marriot, SPG, and Ritz Carlton hotels; 4x points at restaurants, gas stations, and on U.S. wireless telephone services and shipping expenses; and 2x points for all other card purchases.

There’s also a robust sign-up bonus of 75,000 Marriot Bonvoy Bonus points when you spend $3,000 in the first three months. The card is also stacked with travel rewards like a free night stay and elite membership status.

APR & Fees

  • Cardholders can expect an APR between 17.99% and 26.99%.
  • There is a $125 annual fee.
  • There are no foreign transaction fees.

Bottom Line

This is a great co-branded credit card that can earn serious rewards. And because of the SPG and Ritz Carlton acquisition, there are plenty of places where you can redeem rewards. Though the annual fee is high, you get a free one-night stay at Marriot properties after each card anniversary, which should more than make up for the fee.

United Explorer Business Card

United Explorer Business Card

$95 annual fee (waived first year) 50,000-mile sign-up bonus

United Explorer Business Card

  • 2x miles on purchases at United Airlines, office supply stores, gas stations, and restaurants
  • 1x miles on all other purchases
  • 50,000-mile bonus when they spend $3,000 in the first three months
  • Priority boarding, first bag checked free, United Club Passes, and more
Apply Now

on Chase's secure website

Intro APR

N/A

Regular APR

18.24% – 25.24% Variable APR

Annual Fee

​​$95

Credit Needed

Good/Excellent

Card Highlights

The United Explorer Business Card is co-sponsored by United Airlines and Chase. With this card, you can earn 2 miles per dollar spent on United purchases (including in-flight food and beverages) as well as those made at office supply stores, gas stations, and restaurants. All other card purchases will earn you a mile per dollar.

As a cardholder, you’ll also have access to priority boarding, a reoccurring bag check waiver for you and a companion, and United Club passes.

New card members can also earn 50,000 bonus miles when they spend $3,000 in the first three months.

APR & Fees

  • This card carries a variable APR between 18.24% and 25.24%.
  • The annual fee is $95, but it’s waived for the first year.
  • There are no foreign transaction fees.
  • Employee cards are free.

Bottom Line

When compared to the rewards and benefits of some other Airline business cards on the market, this card’s rewards may seem underwhelming. But if you frequently fly with United Airlines and take advantage of the free checked bags and club passes, this card will pay for its relatively low annual fee over and over. If your business is small and you’re signing up for your first business credit card, this card is definitely worth checking out.

Chase Ink Business Cash Credit Card

Chase Ink Business Cash Credit Card

$0 annual fee $500 sign-up bonus

Chase Ink Business Cash Credit Card

  • 5% cash back on the first $25,000 spent at office supplies stores and internet, cable, or phone providers
  • 2% cash back on the first $25,000 spent at gas stations
  • 1% on all other purchases
  • $500 welcome bonus after spending $3,000 in the first three months
Apply Now

on Chase's secure website

Intro APR

0% APR for the first 12 months

Regular APR

15.49% – 21.49% Variable APR

Annual Fee

​​$0

Credit Needed

Good/Excellent

Card Highlights

The Chase Ink Business Cash Credit Card offers 5% cash back on the first $25,000 in combined purchases made at office supplies stores or with your internet, cable, or phone provider. You can also earn 2% cash back on the first $25,000 in combined purchases at gas stations. All other business purchases are worth 1%. Think you’ll hit the spending caps? If so, you’ll still earn $1,750, plus an additional 1% on all other ongoing purchases.

New card members can earn a $500 sign-up bonus if they make $3,000 worth of purchases in the first three months.

APR & Fees

  • New card members can take advantage of a 0% intro APR for the first 12 months.
  • After the first year, the regular APR will be between 15.49% and 21.49%.
  • There’s no annual fee.
  • Cardholders who do business outside of the U.S. should be aware of the 3% foreign transaction fee.

Bottom Line

The Ink Business Cash Card’s lack of an annual fee makes it a worthwhile business credit card for small businesses of all types. However, the card is ideal for business owners who have substantial expenses on IT and office expenses.

The Chase Ink Business Preferred Card

The Chase Ink Business Preferred Card

$95 annual fee 80,000-point sign-up bonus

The Chase Ink Business Preferred Card

  • 3x points on travel, shipping, advertising, internet, cable, and phone services
  • 1x points per $1 spent everywhere else
  • 80,000-point welcome bonus after you spend $5,000 in the first three months
Apply Now

on Chase's secure website

Intro APR

N/A

Regular APR

18.24% – 23.24% Variable APR

Annual Fee

​​$95

Credit Needed

Good/Excellent

Card Highlights

Chase Ink Business Preferred Credit Card offers 3 points per dollar on travel, shipping, advertising, internet, cable, phone services, social media ads, and search engine marketing, on up to $150,000 in combined eligible purchases each calendar year. Other purchases are worth 1 point per dollar. Points are worth 25% more when redeemed for travel with Chase Ultimate Rewards and can be transferred to Chase travel partners at a 1:1 ratio.

Plus, new card members can receive 80,000 bonus points if they spend $5,000 (worth up to $1,000 when redeemed for travel through the Chase Ultimate Rewards portal) in the first three months.

APR & Fees

  • Cardholders can expect an APR between 18.24% and 23.24%.
  • There is a $95 annual fee.
  • There are no foreign transaction fees.

Bottom Line

This credit card is great for web-based businesses that spend a lot on social media or search engine marketing, especially if they value travel rewards.

Spark Cash for Business Credit Card

Spark Cash for Business Credit Card

$95 annual fee ($0 first year) $500 sign-up bonus

Spark Cash for Business Credit Card

  • Unlimited 2% cash back on all purchases
  • $500 cash bonus after spending $4,500 in the first three months
  • No foreign transaction fees
  • Employee cards are free
Apply Now

on Capital One's secure website

Intro APR

N/A

Regular APR

19.24% Variable APR

Annual Fee

​​$95 (waived first year)

Credit Needed

Good/Excellent

Card Highlights

With the Capital One Spark Cash business credit card, cardholders can earn unlimited 2% cash back for all card purchases—no rewards caps or category restrictions. In addition, new cardholders can earn a $500 in bonus cash when they spend $4,500 in the first three months.

APR & Fees

  • The Capital One Sparkbusiness credit card has a 19.24% variable APR.
  • There’s a $95 annual fee, but it’s waived for the first year.
  • There are no foreign transaction fees.
  • Employee cards are free.

Bottom Line

If you’re looking for a straight-forward cash back rewards card, this may be a good option; however, you’ll need to spend at least $4,750 to erase the $95 annual fee. For some small businesses, that leaves little room for rewards.

Spark Miles for Business Credit Card

Spark Miles for Business Credit Card

$95 annual fee ($0 first year) 50,000-mile sign-up bonus

Spark Miles for Business Credit Card

  • Unlimited 2x miles on all purchases
  • 50,000-mile sign-up bonus after spending $4,500 in the first three months
  • No foreign transaction fees
  • Employee cards are free
Apply Now

on Capital One's secure website

Intro APR

N/A

Regular APR

19.24% Variable APR

Annual Fee

​​​​$95 (waived first year)

Credit Needed

Good/Excellent

Card Highlights

The Capital One Spark Miles card is the airline counterpart to the Spark Cash for Business. It offers an unlimited 2 miles for every dollar spent, making it a great no hassle business card for frequent travelers. Miles are typically worth $.01/dollar and can be used to book travel on Capital One’s travel site, which is run by Orbitz. However, miles can’t be transferred to other loyalty programs, so this card’s rewards are less flexible than you’d get with the Spark Cash card.

New cardholders can earn up to 50,000 bonus miles when they spend $4,500 in the first month, and all cardholders can take advantage of basic Capital One benefits like fraud coverage and travel and emergency assistance service.

APR & Fees

  • Spark Miles cardholders can expect a 19.24% variable APR.
  • There is a $95 annual fee is—waived in the first year.
  • There are no foreign transaction fees.
  • Employee cards are free.

Bottom Line

If you want a straight forward miles rewards card without category or spending limits, then Spark Miles may fit the bill. However, because you must book travel through Capital One and there are no additional travel perks—like bag check waivers, priority boarding, or car rental waivers, this may not be the best credit card for small business owners looking for major travel benefits.

U.S. Bank Business Cash Rewards World Elite MasterCard

  • 3% cash back on purchases at office supply stores, gas stations, and phone service providers
  • 1% cash back on everything else
  • 25% bonus on all rewards earned at the end of each year (up to $250)
  • $200 cash-back bonus after spending $1,000 within 90 days of account opening
  • MasterAssist Travel Assistance and free hotel upgrades
Apply Now

on U.S. Bank's secure website

Intro APR

0% for nine months

Regular APR

14.24% – 25.24% Variable APR

Annual Fee

​​​​$0

Credit Needed

Good/Excellent

Card Highlights

The U.S. Bank Business Cash Rewards World Elite Mastercard offers a solid 3% cash back on office supply store, gas station, and U.S. service provider purchases. All other business purchases yield 1% cash back. Those rewards place the card in the ranks with other high-earning business credit cards.

Cardholders can also earn a 25% annual bonus, up to $250, based on their cash back rewards for the prior account anniversary year. Plus, new customers can earn a $200 cash back bonus when they spend $1,000 in the first 90 days after account opening—a relatively small but attainable bonus when compared to other business rewards cards.

It’s also worth noting that this card offers MasterAssist Travel Assistance Services and a slew of upgrades and special deals at luxury hotels and resorts.

APR & Fees

  • Enjoy a 0% introductory APR for nine months, after which you can expect an APR between 14.24% and 25.24%.
  • There is no annual fee.
  • There is a 2% to 3% foreign transaction fee, depending on the currency in which the transaction takes place.
  • Employee cards are free.

Bottom Line

The U.S. Bank Business Cash Rewards World Elite Mastercard can be a good fit for small businesses that spend significantly on office supplies and gas. Businesses might appreciate its straightforward program for earning and redeeming rewards. And, for businesses that periodically carry a balance, the card’s APR is competitive.

Capital One Spark Cash Select for Business

Capital One Spark Cash Select for Business

$0 annual fee $200 sign-up bonus

Capital One Spark Cash Select for Business

  • 1.5% cash back on all purchases
  • No balance transfer fees or foreign transaction fees
  • Employee cards are free
Apply Now

on Capital One's secure website

Intro APR

0% for nine months

Regular APR

15.24% – 23.24% Variable APR

Annual Fee

​​​​$0

Credit Needed

Good/Excellent

Card Highlights

For business owners who carry a balance and who would prefer to avoid rewards programs with complex bonus categories, the Capital One Spark Cash Select Business card is a good all-encompassing card. With this business credit card, you'll earn unlimited 1.5% cash back on all purchases. That immediately ranks this card below the Capital One Spark Cash for Business in terms of rewards. However, if you plan to carry a balance from month to month, this card offers a 0% intro APR period and a potentially lower ongoing variable APR, so you could come out ahead in the long run.

New cardmembers can take advantage of a $200 sign-up bonus when they spend $3,000 in the first three months.

APR & Fees

  • Enjoy a 0% intro APR for the first nine months, then a variable APR between 15.24% and 23.24% after that.
  • There is no balance transfer fee.
  • There is no annual fee.
  • There are no foreign transaction fees.
  • Employee cards are free.

Bottom Line

The Spark Cash Select for Business is not nearly as flashy as some other small business credit cards, but with no annual fee and a 0% introductory APR, it may be worth it.

Business Platinum Rewards Card from American Express

Business Platinum Rewards Card from American Express

$595 annual fee Up to a 75,000 point sign-up bonus

Business Platinum Rewards Card from American Express

  • 5x Membership Rewards points on flights or hotel stays through amextravel.com
  • 1.5x points on qualifying purchases over $5,000
  • 1x points on all other purchases
  • $200 annual airfair credit, $200 Dell credit, Global Entry or TSA Pre✓
Apply Now

on American Express's secure website

Intro APR

N/A

Regular APR

N/A (charge card)

Annual Fee

$595

Credit Needed

Good/Excellent

Card Highlights

The Amex Business Platinum Rewards card is a charge card, so it’s important to note that you’ll have to pay off your balance in full every month. That said, the card is packed with benefits. Cardholders can earn 5x Membership Rewards points when they purchase flights or prepaid hotel stays through amextravel.com, 1.5x points on purchases over $5,000 (for up to 1 million rewards points per year), and 1 point per dollar on all other purchases.

In addition, Business Platinum Rewards card carriers also will receive a variety of travel perks including $200 annual airline credit, 35% of their bonus points back when redeemed for flights, access to the Airspace Lounge and Amex International lounges, a free credit for Global Entry or TSA Pre✓, up to $200 in Dell statement credits, preferred seating, and presale access for events.

New card members may get the most from this card as Amex is currently offering a welcome offer of 50,000 bonus points for the first $10,000 spent in the first three months and an additional 25,000 points when they spend an additional $10,000 in that same time frame.

New members also can take advantage of a year of Platinum Global Access with WeWork, which gives them access to over 300 premium workspaces in over 75 cities around the globe.

APR & Fees

  • The card comes with a hefty $595 annual fee.
  • There are no foreign transaction fees.
  • Employee cards are free.
  • Since it’s a charge card, you’ll only pay interest if you use the card’s “Pay Over Time” feature.

Bottom Line

This business credit card is best for companies with serious travel expenses, as the $595 annual fee will make it hard for others to validate the cost. That said, the benefits alone are worth more than $595, so this is certainly a business card worth considering if you think you’ll take advantage of the perks.

Blue Business Plus Credit Card from American Express

Blue Business Plus Credit Card from American Express

$0 annual fee 0% intro APR for 12 months

Blue Business Plus Credit Card from American Express

  • 2x points per $1 up to $50,000 in spending, then 1x points
  • Expanded Buying Power allows you to spend above your credit limit
  • No foreign transaction fees
Apply Now

on American Express's secure website

Intro APR

0% intro APR for 12 months

Regular APR

15.49%, 18.49%, or 21.49% Variable APR

Annual Fee

$0

Credit Needed

Good/Excellent

Card Highlights

The Amex Blue Business Plus Card offers users a steady 2x points for each dollar spent up to $50,000; after that, cardholders will earn 1 point per dollar. While the rewards rates aren’t huge, one thing that does stand out is Amex’s Expanded Buying Power feature, which allows cardholders to make purchases above their credit limit. This should be used with caution, but it’s a plus when it comes to financing the unexpected.

APR & Fees

  • New customers get a 0% intro APR on both purchases and balance transfers for the first twelve months
  • After that, the APR will increase to 15.49%, 18.49%, or 21.49%, depending on your credit report.
  • There is no annual fee.
  • There are no foreign transaction fees.

Bottom Line

When compared to some other cards on the market, the Amex Blue Business Plus card has a lackluster rewards program, particularly because a 2% rewards rate is easy to find in other business credit cards, and it is limited to the first $50,000. However, what put this card on our list of best credit cards for small businesses is the expanded buying power and the 0% interest rate offer, both of which can come in handy for small businesses dealing with debt or trying to finance a large purchase. Further, with no annual fee, there isn't’ much risk involved with adding this card to your wallet, even if it’s just as a secondary option.

The Best Business Credit Cards for 2019

CardBonus OfferAnnual Fee
Marriot Bonvoy Business Amex75,000-point sign-up bonus$125
United Explorer Business Card50,000-mile sign-up bonus$95 (waived first year)
Chase Ink Business Cash Card$500 sign-up bonus$0
Chase Ink Business Preferred Credit Card80,000-point sign-up bonus$95
Spark Cash for Business Credit Card$500 sign-up bonus$95 (waived first year)
Spark Miles for Business Credit Card50,000-mile sign-up bonus$95 (waived first year)
U.S. Bank Business Cash Rewards World Elite MasterCard$200 sign-up bonus$0
Capital One Spark Cash Select for Business$200 sign-up bonus$0
Business Platinum Rewards Card from American ExpressUp to a 75,000 point sign-up bonus$595
Blue Business Plus Credit Card from American ExpressNone$0

How Business Credit Cards Benefit Businesses

Many people would have a difficult time managing their finances without credit cards, and businesses that need to cover brief shortfalls and manage cash flow are no different. It’s especially important for small businesses to establish credit so they can have access to the financing they need to expand.

When used effectively, a business credit card is an essential cash management tool and helps a business establish itself as a legitimate member of the business community. Here are some additional reasons why a business credit card can be essential for businesses, including small business owners.

Keeps Personal and Business Finances Separate

If you really want to annoy the IRS or your accountant, try presenting them with business records that mix business and personal expenses. It's one of the quickest routes to an audit and can complicate your life. Carrying one of the best business credit cards can help keep these finances separate, while rewarding you for doing so.

Flexibility, Control, and Convenience

In today’s digital world, it’s nearly impossible not to use the internet to make some purchases. So you need a credit card. Plus, you never know when you’ll need to make a sudden purchase that requires short-term financing. Having a business credit card can ensure your business makes purchases efficiently, and will enable the business to better control expenses, especially with employees.

Cash Flow Management

Making purchases with a business credit card can help the business keep cash flow positive throughout the billing cycle. Payments to a credit card can be timed to customer receipts, allowing the business to stay liquid by holding cash and leveraging credit. And, because business credit card accounts provide daily transaction records and monthly spending breakdowns, business owners can better manage and control cash flow.

They Can Be Very Rewarding for Small Businesses

The best small business credit cards have cash back and travel rewards programs that can truly reduce the outlay for supplies, equipment, and travel. Reward points are typically higher on business-related purchases such as supplies and travel, so they can be used to reduce costs.

Give Your Business Some Credit

When you do need extended financing, the bank will look at both your personal credit history and your business credit history. A business credit card can be an efficient way to build a credit history for your business.

What Should the Best Business Credit Card Have

Today, businesses of all sizes have a growing number of choices in business credit cards – from small businesses trying to establish credit to larger companies looking to maximize rewards. While there are many similarities between business credit cards, a business should consider the key factors that will most impact their cash flow and their capacity to manage credit.

Annual Percentage Rate and Account Balances

Generally, the annual percentage rate (APR) for business credit cards tends to be higher than for personal credit cards, making them less attractive for carrying monthly balances. The best use of a business credit card is as a cash alternative, spending no more than what is budgeted each month. Although some businesses, in a planned strategy, may make larger capital expenditures that could require several months of cash flow to cover the expense.

If a business anticipates carrying a balance, it should only consider business credit cards with the lowest possible APR for which it can qualify. It is important to note that, although new regulations prevent credit card issuers from raising the APR on personal credit cards before they are 60-days delinquent, that doesn’t apply to business credit cards. If a business has trouble managing its credit card payments, issuers can increase the APR almost immediately. It can become very costly to carry a balance under those circumstances.

Business credit cards that offer a rewards program tend to have higher APRs. Considering that the average rewards rate among these business credit cards is about 2%, businesses that carry a balance for even a few months will see any advantage from rewards erased by the costs of interest. If businesses anticipate the possibility of carrying a balance, it’s ideal to choose a card with the lowest possible APR versus a card with a tempting rewards program.

Conversely, businesses with a strong cash flow and the ability to pay the balance in full each month could benefit more from a credit card with a good rewards program. The APR tends to be higher, but it won’t matter if the business doesn’t incur interest charges.

Fees

With business credit cards, there is almost no way to avoid fees. Most cards, especially those with rewards programs, charge an annual fee that can run as high as $100 per year or more for some of the most exclusive cards. Higher annual fees should be weighed against the value the business expects to receive from rewards.

There are exceptions, however. The amount of the fee is sometimes dictated by the APR offered or by the number of other benefits offered. Low-fee or no-fee cards may be harder to qualify for or may have a lower rewards rate. Consider other fees as well, including late or returned payment fees.

Employee Cards

Most businesses have multiple employees authorized to use company credit cards. This is when having a business credit card can really pay off. The best business credit cards not only offer additional cards for employees, they also enable the business to dictate the spending levels on multiple cards, which can give more control.

Most business credit card issuers will offer additional cards at no extra cost, but only up to a certain number. Credit card fees for extra cards can quickly eat into the value of having employee credit cards, so be clear about card policies up front. The value of having employee credit cards can also be diminished if there is no way to manage the account and track spending. So, ask your issuer about online account management tools as well.

Rewards Program

Frankly, many businesses choose their business credit card based almost exclusively on the rewards program – and with good reason. Some rewards programs can be very beneficial, especially if they are directly aligned with the company’s spending habits. There is also a significant difference between programs that pay cash back and those that award points, and businesses will benefit differently by having either one depending on their activities. Here are the main spending categories to consider when choosing a rewards program.

Planes, Trains, Automobiles, and Hotels

Businesses that require their employees to travel frequently should look closely at travel rewards business cards. Programs focused primarily on travel tend to offer the highest rewards for air travel and hotels, and are often the best business credit cards for gaining the most value. Many travel rewards business cards also offer additional travel benefits, such as airport lounge access, complimentary baggage fees, free companion tickets, and other perks that can offer great returns to frequent travelers. For businesses with just one or two people who only travel periodically, other cards that focus on spending categories like office supplies or gas may be better options.

Office Supplies, Utilities, and Gas

Many rewards programs emphasize business-related spending categories, such as office supplies, cable, and phone services. Some also include dining and gas as main spending categories. Businesses that have a large, local sales team that wines and dines clients could use those rewards to offset entertainment expenses.

Businesses that have larger expenses in any of these categories would benefit from these alternative rewards programs over travel rewards programs. The cash-back programs may be preferable because they offer more flexibility in how the rewards can be redeemed. Cash back is usually paid as statement credits that can be used for any purpose.

Frequently Asked Questions About Business Credit Cards

Are Cash-back Rewards or Points Better for Your Business?

The deciding factor between cash back and points is how your business would use the them. For example, travel and hotel points are good if you and your employees are avid travelers. Cash back is a great option for businesses, especially because with incentives based on meeting certain spending goals that many cards provide. For example, some business credit cards offer 3% cash back if you spend a certain amount after opening your card. Annual cash back options may have some restrictions, so confirm the details on the program.

What is the Difference Between a Business Credit Card and a Business Charge Card?

There are three main differences between business credit cards and business charge cards: spending limits, monthly billing, and overall effect on your credit score. Credit cards almost always have a spending limit, based on credit history and clients’ business needs. Charge cards have no spending limit, meaning you can theoretically spend as much as needed each month. On a credit card, your balance rolls over from one month to the next, but charge cards require full payment every month. Finally, because your charge card bill doesn’t roll over into the next month’s billing period, credit score is reported differently than it is from a credit card.

Does It Make Sense to Pay an Annual Fee for a Business Credit Card?

Yes. First, the annual fee can almost always be offset as a business expense during the end-of-year taxes. This is good news for your tax return and helps offset the costs associated with business credit cards. Second, most cards with an annual fee come with more perks than those without a fee. If you already have researched the rewards program and other perks of the card, weigh that against the annual fee to see if it pays off.

>> Read More: Are annual fee credit cards worth it?

What are Some of the Non-financial Perks Offered By Business Credit Cards?

Beyond the rewards points and the cash-back options offered on almost all business credit cards, most cards extend other lesser-known, non-financial perks. Some credit cards offer extended insurance for damage or loss of baggage during travel, as well as insurance for cell phones and extended rental car insurance.

Most credit cards also offer extended warranties beyond the standard factory warranty provided on goods and services. Which means if you buy a computer monitor with a one-year limited warranty, most credit cards will automatically extend that warranty for two more years. If you travel a lot, you may also want to find credit cards that offer free or extended roadside assistance, trip cancellation, or trip delay insurance.

Do Business Credit Cards Earn Rewards on Employee Purchases?

If the primary business card is a points or rewards card, then all secondary account holders will also earn rewards. Whether it's the employer or the employee making the purchase, points accumulate through all of the credit card’s users.

There is some debate as to whether the employee or the employer has a right to those points, so outline the rules regarding point ownership before handing over a company card to an employee. In general, if the company pays for the annual membership, the company would own the points. On the flip side, if it’s the employee paying the yearly fee, then they would accumulate the points.

Some employers rely on credit card points programs to give bonuses to their employees. That can be a good incentive program for the employee, and a cost-saving tool for the company.

Do You Need a Business Credit Card That Integrates With Your Accounting Software?

For a business, you need to account for all business expenditures. That’s likely part of the reason why you’ve signed up for a business credit card in the first place. Separating your business and your personal accounts is only the first step to getting your business financials in order. The next step connecting all business accounts to your accounting software.

All major credit cards should connect easily to whatever accounting software your business relies on. Having all transactions automatically reported saves hours of manual entry, as well as reduces the risk of error. It saves the hassle of tracking down every card-holding employee each month.

Can You Get Approved for a Business Credit Card If Your Personal Credit is Fair or Bad?

Personal credit scores are separate from business credit scores, except if the card requires a personal guarantee. Credit scores, whether personal or business-related, are a way for the banks, credit cards, and other lenders to determine creditworthiness. In a properly structured business, a business owner’s credit doesn’t factor into the business's financial standing.

Your personal credit score will influence your business’s ability to secure a business credit card if your personal and business finances are intertwined, or your business has little credit history. Incorporated businesses, with good standing, should have no issue getting a business credit card, even if the owner has poor or bad credit.

>> Read More: Best credit cards for bad credit

Are There Any Business Cards That Do Not Require a Personal Guarantee?

Small businesses with few assets, little savings, and only recent financial history have a high risk of lapsing on bill payments. Business owners know this, banks know this, and so do credit card companies. Because of the potential for risk, many credit card companies require businesses to sign a document called a personal guarantee. These documents provide legal assurances in the event the company cannot pay its credit card bills. If the company falls behind in payments, the responsibility then falls on the cardholder.

When a personal guarantee is warranted, the applicant must submit their own credit information along with the history of their company. When credit cards require personal guarantees, their credit reporting influences both the credit profile of the business and the primary cardholder.

Even if you’ve carefully structured your business to protect yourself from personal liability, a personal guarantee on a credit card may make you liable. If the company fails, the personal guarantee has allowed creditors to go after personal assets. A credit card requiring a personal guarantee should always be approached with caution.

Can Business Owners Earn Sign-up Bonuses on Cards?

Absolutely! The best business credit cards often advertise sign-on bonuses to potential customers. There is fierce competition between credit card companies to win your business. As each card company vies to get your attention, they often offer lucrative sign-on bonuses.

The competition is so fierce that the sign-on bonuses are sometimes even better than those offered on personal credit cards. Shop around to explore the various sign-on bonus options, and don’t be afraid to speak with a representative to try to negotiate a better deal. While a sign-on bonus shouldn't be the primary reason for choosing a card, it can be a deciding factor in the final decision.

Do Certain Business Credit Cards Offer Incentives for Making Large Purchases?

Credit card companies love to see large purchases on credit cards because more it often means they can earn more money from the subsequent monthly interest. Because credit card companies want to encourage larger purchases, they often offer incentives, like more points, or a higher cash-back rate. For example, AMEX platinum credit card gives 1.5 times points on purchases above $5,000.

Many cards, like the Business Platinum Card from American Express and the Chase Ink Business Preferred Credit Card, issue tens of thousands of bonus points if you spend over a preset amount within a given time frame after opening. For the Chase credit card, this could equal rewards worth upwards of $1,680. Read the fine print on these rewards bonus because there is often a cap on their total.

Do Rewards Earned on Business Cards Expire?

Typically, rewards points earned on business credit cards don’t expire. However, every rewards program is different so confirm with the company directly. Before signing up for a loyalty program, read the fine print to determine if and when the points expire. In the rare case that the loyalty points do have an expiration date, there are usually easy ways to circumvent it, including accessing the points program once every year or making at least one purchase per year.

Often it is an unused card that triggers the rewards expiration. If you don’t use your card within a year, you may lose the points. Some common travel rewards points that do have expiration dates are AAdvantage, Southwest Rapid Rewards, and MileagePlus.

For more general points, there are some business cards with points that do expire. Some Citi Bank, Wells Fargo, and US Bank business credit cards may expire. Speak with your credit card’s customer service department to find out if your rewards expire, and when.

What Happens to Business Rewards Earned If You Close Your Business?

There are typically two types of rewards points programs offered by business credit cards: points programs that are operated by the card company itself, and third-party points programs, such as travel and hotel rewards programs.

Credit-card specific programs are inherently tied to the credit card itself. Therefore, if you close the card, you’ll lose the access to your points.

Usually, credit card loyalty programs offer points exchange programs. That means if you transfer your points to, for example, AirMiles, you can ensure you don’t lose your rewards. If you are expecting to terminate a business credit card in the future, speak with a customer service representative for advice on how best to manage your remaining points.

If your business credit card uses an associated travel rewards program, such as points for travel or hotel bookings, these points are generally not lost if and when you terminate your card. A third party usually operates travel and hotel rewards, so they hold the points under a separate account from the credit card. Essentially, if you close down the card, you should still have access to the points program. Clarify these rules before closing the card to ensure you save your points.