Find the best business credit cards
Finding the best business credit cards is crucial to any business owner, whether you run a small, medium, or large enterprise, having a business credit card is essential to making the operations smooth and rewarding. Whether you are looking for a low interest business credit card, or one with travel rewards, we at Credit Sesame can help pair you up with the best options we feature from our card partners. Having a great business credit card will help keep your balances in line, track your expenses better, and even give you more buying power to get your business a competitive advantage. Some issuers even have discount programs from specific merchant categories, which will help you save more. Other bonuses such as enhanced reporting and online tools will also help you keep aspects of your business better organized and managed. Some of the best rewards programs that certain cards offer are cash back, points, and airline miles.
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Why choose a business credit card?
This card can make your life easier as a business owner on many different fronts. It allows for a higher credit limit which will allow you for larger purchases for your business. The payment terms can be created for your business specifically. It also can help in tracking your expenses and keeping your personal expenses separate from business expenses which may help your accounting for tax preparation.
What is a business credit card?
A business credit card is a specific type of credit card that has different regulations and uses than a consumer type. Business cards also usually have higher credit limits, as it is likely that for business purchases you will need to spend more on a monthly basis. If you run a business it is easily the best choice you can make for managing your finances. There are many more factors that considerably better on the business side than on the consumer side when it comes to purchases and using your credit.
What kind of card can I get?
If you are a business owner this is the best card that you can get to make your purchases. It is possible to use a personal credit card that has more rewards or lower interest, but at the end of the day the amount of benefits you have from business credit cards far outweigh those of the personal credit card.
What are the pros & cons?
To start we can discuss some of the downsides of most business credit cards. The rates that you must pay can be raised, almost instantly, when you are paying your balance. The amount of time you have to pay the bills may be reduced. On the upside you have special rewards that don’t apply to consumer cards. Also, the amount and types of rewards you can get are also exclusive to the business cards.
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card
Editor’s Note: This offer is expired and is no longer available. The U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card is a business credit card which offers a great way to start your bonus rewards program with a 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months of account opening. You earn one FlexPoint for every $1 spent in net purchases. There is a $0 intro annual fee in the first year, and $55 per year after that.
New account users who make net purchases in the amount of $3,500 in the first four months of opening the account can earn 20,000 bonus FlexPoints. These points can be used towards airfare with over 150 airlines. There are no online redemption fees or blackout dates either. Award travel starts at 20,000 FlexPoints (up to a $400 ticket value).
There is a $0 introductory annual fee during the first year of the account being opened. Every year after that will have a $55 annual fee. Every dollar you spend on net purchases will equal one FlexPoint. You can earn triple FlexPoints if you use the card to make charitable donations to qualified organizations.