Ink Preferred & Best Business Credit Cards 2025

If you use the Ink Cash independently, then each point can be redeemed for one cent. The FoundersCard program is a paid membership that offers access to exclusive discounts and premium benefits for movers and shakers. Few people get excited about accounting tools and features, but they can be a lifesaver for managing and organizing business what is a business credit card expenses.

Benefits of Using a Small Business Credit Card

If a business credit card doesn’t seem like the right fit, but you still need access to business funding, here are a handful of other options. Note that our ratings are a starting point for comparing and choosing the best rewards credit card for business. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you. However, Business Insider’s credit card experts don’t recommend The Plum Card for most business owners because it has a relatively high annual fee of $250 in exchange for minimal benefits beyond the early-pay discount. Many business owners like the flexibility of earning cash back because it’s so versatile, offering the easiest and most quantifiable way to calculate true value. However, travel rewards often provide better value for booking business- or first-class flights and five-star hotel stays.

Find the best credit cards

• The financial rewards based on spending you’ll receive from the Delta Skymiles Gold card more than make up for the annual fee.
• As your credit score increases with responsible card use, unsecured business cards that offer stronger rewards programs and better perks may be within reach.
• As a welcome bonus, you can earn 50,000 miles if you spend $4,500 on purchases within the 3 months of account opening.
• Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit.
• If vehicles are a major expense category, these specialized cards beat general-purpose options.
• If your business needs flexible funding, brings in at least $20,000+ monthly cash flow, and has been in operations for at least 1 year, Revenued may be a great fit.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Many people could qualify for business cards without realizing it because they don’t see themselves as small-business owners. But you don’t have to own a restaurant or a car dealership to have a business. Business credit cards come in many different forms to meet How to Invoice as a Freelancer the needs of many types of businesses.

What Are the Types of Business Credit Cards?

If you’re going to open a new business credit card to help fund your business or make daily purchases, you might as well choose one that can help you build business credit in the process. It’s never too early to start planning for a successful business and how you’ll take it to the next level. The best business credit cards don’t just support your spending — they work for you. With generous earning rates, valuable perks and benefits that can both elevate your lifestyle and boost your bottom line, the right card becomes a powerful tool in your financial toolkit.

Ink Business Cash Credit Card

Small-business credit cards aren’t just for formal business structures like a limited liability company (LLC), corporation, or partnership. They can be used by anyone trying to profit by selling goods or services, including sole proprietors, freelancers, independent contractors, and gig-economy workers. This review offers several great business credit cards for startups, but if you’re still not sure that one is right for you, we’ve got you covered.

The Rho Corporate Card includes 24/7 customer service and optimal spend control. Plus, business owners who choose to couple the Rho Corporate Card with Rho’s banking services gain access to the Rho Platinum Card — a card offering enhanced cash back rewards of up to 2% on all spending. If you intend to do significant spending on your new business credit card immediately upon getting it, the Chase Ink Business Preferred card rewards is worth looking into. You can receive 90,000 points when you spend $8,000 within 3 months of opening your account. Several of the overall best business credit cards make it on our list of the best rewards credit cards as well, so you can be confident in making a good credit card decision for your business. Business credit cards offer a range of rewards and cash back opportunities, including bonus points for travel, equipment, or office supplies.

The Best Business Credit Cards

If you’ll need to carry a balance on your business credit card, check out the American Express Blue Business Cash card. You’ll have a full year before you’ll have to start paying interest on your monthly balance. You can use https://solidapparatus.mylearndash.com/a-guide-to-travel-expense-reimbursement-process/ an Employer Identification Number (EIN) to get a business credit card. Most issuers, however, will still require you to provide a personal guarantee and may ask you to provide a Social Security number (SSN) to check your credit. Earn up to 3% cash back on eligible gas station, office supply store and cell phone/service  provider net purchases.