As with all types of credit cards, there are good and bad. Because the US business credit card is so important, a card that could build a business and keep operations running smoothly, or a card that could be mishandled, causing serious problems, choosing is a huge decision. The good news is that today, a multitude of US business cards are available to fit every person’s and company’s needs.
Remember, these cards are for business owners with good credit and any unpaid debt associated with the primary or any secondary cards would be your liability. This is why taking time to find the right card is vital. If you were to search the internet for a great US business credit card, you would quickly feel overwhelmed. With so many issuers, cards, and features, sometimes narrowing the choice down to one or two is tough. To make the process easier, we have provided a list of options for a US business credit card considered to be among the best available.
• Chase Ink Cash Business Credit Card – This US business credit card provides a 3% cash back feature for purchases made at gas stations, home improvement stores, restaurants, and office supply stores. For everything else, the card offers a 1% cash back reward. As points accumulate, rewards can be redeemed in $50 increments as checks. Additionally, the card has no annual fee and any supplementary cards are issued at no charge. The greatest benefit of this Chase business card is that it can be customized to your needs. Chase offers a 0% introductory APR for the first six months, with the regular APR between 11.24% and 17.24%. Finally, balance transfers are allowed at a 3% fee.
• Costco/American Express TrueEarnings Business Credit Card – The unique thing about this US business credit card is that it is offered as a joint venture between Costco and American Express. For yearly gasoline purchases up to $6,000, a 4% cash back reward is provided, with 1% after $6,000. For purchases at restaurants, the cash back reward is 3%, for travel 2%, and for everything else, 1%. During the first six months, the card has a 0% introductory APR with a Costco membership, followed by a 15.24% regular ARP. In addition, this US business card has no annual fee and flexible payment options are available.
• Capital One Business Platinum with Preferred No Hassle Miles Credit Card – If you were to secure this US business credit card now, a 0% APR would apply on all purchases throughout the end of the year. This card has no annual fee, you would be provided with a year-end summary and supplementary employee cards at no cost and no annual fee, and the card comes with $0 Fraud Liability Protection. However, the rewards are tremendous. You would earn three miles travel for every $1 spent in one category you choose and spend the most money in. In addition, you would earn one mile for every $1 on all other purchases. The earned miles can be redeemed for air travel, as well as merchandise, cash, gift cards, and much more.
• American Express Gold Delta SkyMiles Business Credit Card – The last US business credit card we wanted to mention is this one offered by American Express. When flying on Delta, you would enjoy a savings of $250. Other benefits include earning 20,000 miles when you make your first purchase using the card, if you accept two supplementary cards, 5,000 bonus miles would apply, there is no annual fee for the first 12 months and no annual fee for supplementary cards. For accumulated miles, 25,000 can be redeemed for domestic travel or used to pay for any Delta flight and seat, without concern over blackout dates or seat restrictions.
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