Business credit cards are a great way for companies to manage expenses and earn rewards, but the sheer number of options can make it challenging to find the best one for your business.
Business credit cards are generally designed for regular use by employees who travel on behalf of a company or spend money on behalf of a company.
However, some business credit cards may also be used by small businesses that don’t have an employer identification number (EIN), which is required for all businesses that have employees and want to apply for a card in their own name.
What Are The Best Business Credit Cards?
Business credit cards can come in handy when you’re traveling abroad or doing business with vendors who don’t accept American Express or Discover.
Some issuers require an EIN before they’ll approve your application, however, so make sure you’re eligible before applying with this type of card.
1. Chase Ink Business Cash Credit Card
The Chase Ink Business Cash Credit Card is a good card for businesses that have a lot of expenses, like travel and entertainment. It offers a $500 bonus after you spend $3,000 within three months.
The card also offers 5% cash back on the first $25,000 spent in combined purchases on office supply stores and cell phone services (in the form of statement credits) each year.
This is one of the best categories available right now and makes this card an even better deal.
You can earn 2% cash back on two additional categories of your choice (up to $25,000 combined each year).
You can choose from:
- Gas stations
- Restaurants
- Travel purchases (including airfare)
- Online shopping portals (like Amazon)
Chase also offers a sign-up bonus where you get 50% more points when using your card for select Chase Ultimate Rewards travel partners such as Hyatt and United Airlines.
The Chase Ink Business Preferred card offers one of the most lucrative signup bonuses and up to 3 points per dollar on purchases.
2. Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred credit card is an excellent choice for businesses that use a lot of paper.
Rewards for spending come in the form of points, which can be redeemed for cash back, travel and even gift cards. There’s no annual fee on this card, and its sign-up bonus is worth up to $1,000 in travel expenses.
Chase Ink Business Preferred Credit Card: What You Get The Chase Ink Business Preferred credit card offers 2 points per dollar spent on office supply stores, telecom services, cable and satellite TV subscriptions and internet service providers.
It also offers 3 points per dollar spent on hotel stays booked through online travel agencies. And it gives 1 point per dollar spent elsewhere.
Points are worth 1 cent each when redeemed for cash back or statement credits, but they’re worth more if you redeem them as travel through Chase’s portal at Ultimate Rewards — a penny apiece or 2% cash back on travel if you book through Chase.
You can also redeem them for gift cards from major brands such as Amazon and Starbucks. The sign-up bonus alone can cover tickets to Hawaii or Europe with more than $500 left over for other expenses.
The Chase Ink Business Preferred card offers one of the most lucrative signup bonuses and up to 3 points per dollar on purchases.
3. The Blue Business Plus Amex
The Blue Business Plus Amex, with a $95 annual fee, is a solid card for small business owners who spend more than $30,000 per year. It offers a generous rewards program, a great sign-up bonus, and several perks for business travelers.
The card has no foreign transaction fees and comes with an EMV chip to help protect against fraud. The Blue Business Plus Amex can be paired with the Blue Cash Preferred® Card from American Express, which offers cash back on everyday purchases.
The Blue Business Plus Amex earns 2x points for every dollar spent on purchases made with airlines or hotels, and 1x point for every dollar spent on all other purchases. There’s no limit to the points you can earn with this card — they don’t expire as long as your account remains open and in good standing.
The card’s sign-up bonus is worth $500 if you spend $3,000 within three months of opening an account: 25,000 Membership Rewards® points upon approval; 50,000 bonus points after spending $15,000 total (cumulative) on purchases within three months of opening your new account; and an additional 25,000 bonus points after spending $50,000 total (cumulative).
4. The Business Platinum Card from American Express
If you’re a small business owner or self-employed, the Business Platinum Card from American Express is one of the best rewards credit cards on the market. The card’s high annual fee of $450 is offset by several benefits that make it worth paying for.
On top of its rewards program, this card offers access to American Express Centurion lounges, which are some of the best airport lounges in the world.
The Business Platinum Card from American Express has a few perks not found on other cards, such as:
A great sign-up bonus: Earn 50,000 Membership Rewards points after spending $5,000 in the first 3 months.
That’s worth $750 if redeemed for cash back or $1,000 if used towards airfare through Amex Travel (which doesn’t charge foreign transaction fees). You can also use your points for travel through Amex Travel without any blackout dates or seat restrictions.
Access to exclusive Centurion Lounges: These lounges are reserved for American Express Platinum and Centurion cardholders only and are some of the best airport lounges in the world with free food and drinks along with comfortable seating areas.
The Business Platinum Card® from American Express is American Express' premier travel and Membership Rewards-earning card for small business owners.
5. U.S. Bank Triple Cash Rewards Visa Business Card
Triple Cash Rewards Visa Business Card from U.S. Bank is a cash back credit card that rewards you with 3% cash back on purchases in the first year, 2% cash back in the second year and 1% cash back on all purchases after that.
The card’s ongoing rewards rate doesn’t change, but it’s still among the best business credit cards for small-business owners. You’ll also earn 1.5% cash back on all purchases at restaurants and gas stations and get a 20% discount on travel booked through Expedia if you use your card to pay for it.
There’s no annual fee for this card and it offers chip-enabled security to help protect your information when you make purchases online or in stores.
6. Brex Card
Brex cards are a new breed of credit cards that are designed to help you earn rewards and save money. They’re designed for people who want to get back in control of their finances, but they’re also great for anyone looking to earn rewards or reduce their spending.
The best part is that it’s really simple to get started. You’ll just need to fill out an application and wait for approval, which usually comes within 24 hours.
Once your card has been approved, you can start using it right away!
Here’s what you can expect when you apply for a Brex card:
- Accepted at millions of locations worldwide
- Earn cash back on every purchase
- Reduce your interest rate by paying your balance in full each month
Brex offers everything you need to grow your company faster, from cards and capital to built-in spend management software and live support.
7. The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is a great option for people who want to earn Hilton Honors Ultimate Rewards points. The card gives you a nice sign-up bonus and good ongoing rewards rates.
It also comes with some useful travel benefits, including airline fee credit and access to airport lounges through Priority Pass. The card has a $95 annual fee, which isn’t waived the first year.
But if you spend enough on the card, it can make sense to pay that fee for a few years.
If you don’t need an airline lounge membership, you can get a similar sign-up bonus from the Chase Ink Business Preferred Credit Card.
8. Marriott Bonvoy Business American Express Card
Marriott Bonvoy Business American Express Card is designed for people with a credit score of 690 to 850. A good credit score of 700+ means you have a large amount of borrowing power available to you, but you might still be able to get approved with a lower credit score.
This card will help you build or rebuild your credit history, because it reports your on-time payments to the three major credit bureaus. This card has a rewards program where you’ll earn 10 points per dollar spent on all Marriott purchases and 2 points per dollar spent on all other purchases.
Points can be redeemed for free nights at Marriott hotels and resorts worldwide, as well as statement credits or gift cards at hundreds of retailers including Amazon and Uber.
9. Capital One Spark Cash for Business
Capital One Spark Cash for Business Capital One Spark Cash for Business is a business credit card that offers low interest rates, no annual fee and zero fraud liability.
It has a rewards program that includes cash back on office supplies and travel. This card is designed for businesses with $500,000 or more in gross annual revenue.
Capital One Spark Cash for Business Benefits Low interest rates. This card charges an APR of 13.99% to 18.99% based on your creditworthiness and other factors such as your account balance and payment history.
You can choose between two different APRs: one for purchases and another for balance transfers (you’ll be charged a 3% balance transfer fee). You can also get a 0% introductory APR for 15 months on balance transfers made within four months of opening the account — after that, the rate goes up to 17.99%.
If you decide to carry a balance from month to month rather than pay it off in full each month, it may be wise to consider another option like a low-interest credit card instead of this one because Capital One doesn’t offer any long-term 0% intro APR offers or other ways to save money on interest payments if you carry a balance from month-to-month.
The Capital One Spark Cash Plus* is an excellent business cash-back card for those with strong credit. The annual fee of $150 is palatable compared to many high-end card fees.
10. Ink Business Cash Credit Card
Ink Business Cash Credit Card is a cash back credit card that offers a $300 welcome bonus after you spend $3,000 in the first three months. The card has no annual fee and is designed for small business owners and self-employed individuals who earn at least 80% of their income from their business.
The card has a 2% cash back rate on all purchases (1% when you have an active ink business checking account and 1% when you don’t). You can also get another $750 in bonus cash when you spend $50,000 total on the card in one year or more.
There are no foreign transaction fees with this card, so it’s great for traveling abroad!
Ink Business Cash Credit Card is a great business credit card for small businesses. It has a sign-up bonus of $500 after spending $3,000 in the first 3 months. The rewards structure on this card is simple and straightforward.
You earn 2% cash back on all purchases made at office supply stores and on telecom, cable and internet services; 1% cash back on everything else. There are no rotating categories and the sign-up bonus is quite generous.
The annual fee for this card is waived for the first year, so there’s no reason not to give it a try.
Business owners can score significant rewards by using the no-annual-fee Ink Business Cash® Credit Card to pay for expenses.
11. The US Bank Business Platinum Card
The US Bank Business Platinum Card is a credit card that’s specifically designed for small business owners and entrepreneurs. It’s one of the most highly-rated business credit cards on the market and offers a range of features that can easily set you apart from the competition.
The US Bank Business Platinum Card is one of the best business credit cards available today. It has a number of standout benefits that make it an ideal choice for any entrepreneur looking to grow their business.
Earn 1.5% Cash Back on All Purchases
One of the most popular features of this card is its cash back rewards program. When you use this card to pay for purchases, you’ll earn 1.5% cash back on all your purchases.
This means that every dollar spent on this card will earn 1.5 cents in rewards. It doesn’t get much better than that!
No Annual Fee or Foreign Transaction Fees
This card doesn’t charge an annual fee or foreign transaction fees, so there are no extra costs associated with using this card abroad or at home (except for those associated with using any other credit card).
You can use your US Bank Business Platinum Card anywhere in the world without worrying about paying additional fees associated with using it abroad!
The U.S. Bank Business Platinum Card has a simple value position: It's got a great ... software subscription expenses such as FreshBooks or QuickBooks.
12. Delta SkyMiles Reserve Business American Express Card
The Delta SkyMiles Reserve Business American Express Card is the top-of-the-line SkyMiles card from American Express. As the highest tier Delta Amex, it offers all of the perks of the Gold and Platinum Delta cards, in addition to some great benefits exclusive to this card.
The Reserve card has a $450 annual fee, and it comes with a signup bonus worth up to 100,000 miles after you spend $25,000 within your first year. With this card, you get access to premium airport lounges around the world.
You also get free checked bags on every flight, along with other travel benefits like priority check-in and boarding.
Plus, if you’re an avid traveler who spends a lot on food and drinks while abroad, this card can be a good fit because it has no foreign transaction fees so you won’t pay extra when making purchases in foreign currencies or using your card at overseas merchants that don’t accept U.S. credit cards.
13. Slate Edge from Chase
The Chase Ink Business Preferred card offers one of the most lucrative signup bonuses and up to 3 points per dollar on purchases.
What is a Business Credit Card?
Business credit cards are a great way to help your business grow. They can be used to make purchases, pay bills, and even fund your retirement.
As an added bonus, they earn rewards that can be used to help your business prosper.
What is a Business Credit Card?
A business credit card is a credit card that is issued specifically for use by an individual or company. They come in two main varieties: charge cards and revolving accounts.
Charge cards are designed for businesses that want to limit the amount of money they spend on their cards at any given time. Revolving accounts allow you to carry a balance from month-to-month, and are what most people think of when they hear about “credit cards”.
The Benefits of Business Credit Cards
There are several benefits offered by these types of cards:
Cash Back Rewards – Cash back rewards are one of the most popular features among these types of cards because they’re easy to understand and use immediately as cash (or gift cards).
You’ll typically receive anywhere from 0% – 5% cash back on all purchases made with your card each year depending on how much you spend with it each month/year. The higher end rewards usually require higher annual spending limits or higher credit limits.
Why Do You Need a Business Credit Card?
Why do you need a business credit card? There are many reasons why you should get one.
Here are the top reasons:
Save Money on Your Business Expenses
Business credit cards can offer rewards, such as cash back and travel points, that can help you save money on your business expenses.
If you travel often for work, then getting a travel rewards card can help you reduce the amount of money you spend on hotel stays and airline tickets. If you have employees or contractors who use their own vehicles for business purposes, then a gas rewards card can help them save money on gas expenses.
Manage Your Cash Flow More Easily
Cash-flow management is an important part of running a successful business. While it’s important to keep track of all your expenses during the year so you know how much money is coming in and going out, being able to pay your bills easily with a credit card when necessary will make managing your cash flow much easier.
Having access to funds from various sources — such as loans from banks or investors is also important if you’re having trouble paying some bills because it allows you to avoid defaulting on payments or missing out on opportunities due to lack of funds at the right time
1. Separate Personal Expenses From Business Expenses
The IRS requires that you keep track of your business expenses. If you are self-employed, you can deduct these expenses from your income.
Keep in mind that this is only true if the expenses are necessary and reasonable. If you own a small business, it’s important to separate personal and business expenses so that you can keep track of them properly.
To do this, set up a separate checking account for your business and make sure all checks written out of this account are for legitimate business expenses. If someone pays for something for you or a family member, make sure you reimburse them with money from the checking account instead of writing them a check from your personal accounts.
You should also keep receipts for everything that you claim as an expense on your taxes. This will help ensure that everything is accounted for correctly when tax time rolls around.
2. Cash Back And Other Perks
Cash back is the most popular perk of all. It’s simple, straightforward and a great option for those looking for a way to save money when shopping online.
Cash back credit cards offer a percentage of every purchase you make in cash back rewards.
To use cash back rewards, simply charge your purchases to your card and pay off your statement balance every month. Then, enjoy your cash back rewards as an added bonus when you pay off your statement balance.
Other types of perks include:
No annual fee: You don’t have to worry about paying an annual fee if you don’t want one! Many credit cards charge an annual fee but some offer them without charging you anything extra each year.
0% introductory APR: If you’re planning on making a big purchase soon or need time to pay off a balance without interest charges, then 0% intro APR offers may be right for you! With these cards, there’s no interest charged while the introductory period lasts (usually around six months), which means no interest charges if you make purchases during that time period!
3. Large Spending Limit
The large spending limit is a feature of the American Express Centurion Card that allows you to spend more than your credit limit. If you have a $10,000 credit limit on the card and you want to spend $20,000, you can call American Express and ask them to increase your spending limit.
The card comes with two types of spending limits:
- A normal credit limit — The standard amount that you are approved for when opening an account with the card.
- An increased credit limit — This can be used when you need to make larger purchases than usual.
For example, if you need to pay off an unexpected bill or purchase something that costs more than your normal monthly budget allows, then it may make sense to apply for this type of limit increase.
How do I get an increased credit limit? You can request an increased spending limit by calling American Express at 1-800-322-1277 or by logging into your online account portal.
You’ll need to have your Centurion Card in hand so they can confirm the last four digits of the card number before approving or denying your request.
4. Great Sign-up Bonuses
When you open a new credit card account, the issuer will often offer you a bonus for signing up. These bonuses can take many forms: Cashback or miles.
Earn a certain amount of cash or miles as soon as you activate your new card.
You’ll usually get 1 percent back on all purchases, with a $25 minimum spend requirement to qualify for this bonus.
Sign-up bonus points. Many cards will offer a bonus point value worth 1 cent per point when you sign up and make your first purchase within the first 90 days of receiving your new card (the bonus may be even higher if you apply in person at an airport).
Statement credit toward a specific travel purchase. This is perhaps the most common type of sign-up bonus these days. For example, Chase Sapphire Preferred offers 50,000 points (worth $625) toward travel when you use it to book travel through Chase Ultimate Rewards before December 31, 2020; Citi Prestige offers 10,000 ThankYou points (also worth $625) toward airfare when booking through Citi’s Travel Center within the first three months of getting the card; and Amex Blue Cash Everyday offers $150 back on gas purchases within three months after opening an account.
5. Steady Cash Flow
We’re not talking about being rich, we’re talking about being able to pay your bills and have some money left over each month. If you’re like most people, this is what you want.
The best way to get steady cash flow is to own one or more rental properties that produce enough income to cover your monthly expenses. The easiest way is to go with a fix and flip option or with no money down lease option. In both cases, the property can be paid off in as little as 6 months or less.
Many investors find that having multiple streams of income from different sources is the best way to achieve this goal because it reduces their risk of losing everything if one source fails.
For example, if you are investing in real estate with no money down lease options, you will also want to invest in stocks, bonds and mutual funds so that if one investment goes bad, the others will keep you afloat until things turn around again!
6. Establish Company’s Financial Credibility And Business Credit History
If you are a business owner, one of the most important things to do is establish the credibility of your company. It is very important to establish yourself as a legitimate company in order to grow your business and take it to the next level.
Here are some ways that you can do this:
Establish a good credit history for your business.
If you want to get a loan or apply for a line of credit, it is important that you have established good credit history for your business.
This will make it easier for banks and lenders to trust your business and give them the confidence they need in order to give you the loan or line of credit that you need.
You can do this by paying all of your bills on time, making sure that all of your accounts are paid off on time each month and paying off any debt that you have accrued over time so that they do not go into collections or charge offs which will affect your credit score negatively.
Get an EIN number right away so that you can start doing business right away without having to worry about getting one later down the road.
File taxes properly
The Difference Between Business Credit Scores and Personal Credit Scores
A business credit score is different from a personal credit score.
A business credit score measures how likely you are to pay your bills on time, while a personal credit score measures how likely you are to pay your bills on time and how much money you owe.
Business credit scores are used by lenders to determine whether or not they should lend money to a business. These lenders include banks, small businesses and other financial institutions that loan money directly or through loans guaranteed by the SBA (Small Business Administration).
The main difference between business and personal credit scores is the amount of information each one contains about its borrower. A business credit report includes detailed information about the individual or company that owns the business, including tax information, location information and even employment history if the owners have worked for other companies in the past.
A personal credit report contains only personal information such as address history, payment history and public records (such as bankruptcies).
Apply for a Business Credit Card
Requesting a business credit card can be a great way to establish credit for your company. But it’s not as simple as applying for a personal card and putting your company name on it.
Business cards usually have higher limits and more features than personal cards; they’re also more likely to draw the attention of lenders and creditors who may otherwise ignore your small-business loan application.
And, if you’re self-employed, some cards offer special features that help you track and manage your expenses. Most business credit cards are designed for small businesses or sole proprietorships those that don’t have employees or partners.
If you’re looking for one with employee rewards or other perks, check out our list of best business credit cards.
Which Business Credit Card is Suitable for You?
If your business is just starting out, you may not have much of a credit history. If this is the case, it might be difficult for you to find a business credit card that’s right for you.
However, there are several options available to those who are just starting out.
Business Credit Cards for Small Businesses
If you’re a sole proprietor or run a small business with an established track record, but no collateral or history of paying bills on time, there are still ways to get approved for a business credit card.
You can apply for one of the following types of cards: Storefront and online retail businesses: These include businesses like grocery stores, restaurants and clothing stores.
The best option for these types of businesses is often the American Express Blue Business Plus Credit Card or the Chase Ink Business Preferred Credit Card.
These cards offer good rewards on everyday purchases but also give some flexibility in their redemption options if you want to use them toward travel rewards rather than cash back or statement credits.
Service-based businesses: This includes any type of service-oriented business like lawyers and accountants who bill clients directly instead of handling transactions through third parties like PayPal or Amazon Payments.
1. Introductory APR
Introductory APRs are a great way to get the most value out of your card. The introductory term is typically 6 months, but it can be shorter or longer depending on the card and issuer.
The APR from your credit card will apply to all purchases made during this time period, so make sure you’re aware of this before signing up for a new card. Some cards offer a 0% introductory APR for balance transfers as well as purchases.
This is an excellent way to save money if you have a high interest rate on another card. The introductory term for balance transfers is usually 6-12 months.
2. Annual Fee
Fees are one of the biggest costs of owning a credit card. If you’re paying an annual fee on your card, it’s important to know what you’re getting in return.
If you use the card often, for example, the benefits may be worth it. But if you barely use it and are only paying for the privilege of having a card, then it’s probably not worth keeping.
Here are some things to consider when evaluating whether a card is worth keeping: The annual fee is usually between $0 and $500 per year, depending on the type of rewards program offered by the issuer.
For example, some cards offer 1 point per dollar spent while others offer as much as 5 points per dollar spent. If you pay off your balance each month, there’s no need to worry about interest charges because they don’t apply if you pay off your balance before the statement closes at the end of each billing cycle.
But if you carry a balance from month-to-month, interest will accrue (and increase) until it gets paid off in full or until you make a payment that reduces your balance below zero dollars.
3. Sign-up Bonus and Other Rewards
The sign-up bonus is a one-time reward you get when you sign up for a particular credit card. It’s usually in the form of cash back, travel rewards or points that can be redeemed for gift cards.
The sign-up bonus is often worth more than the annual fee for the first year of card membership, so it’s a good reason to apply for a card if you think you’ll use it regularly.
Other rewards include:
Cash back: You earn cash back on every purchase, which comes in the form of statement credits or direct deposits into checking or savings accounts. Cash back can be used anywhere that accepts credit cards, but it must be used within 12 months from when it was earned.
Travel rewards: These come in a variety of forms, including miles, points and free flights. The most common form is miles, which can be redeemed for airline tickets or upgrades to business class on international flights with certain airlines (such as United Airlines).
Points are similar to miles except they’re redeemable only with certain airlines or hotel chains instead of being transferable between carriers. Points also expire after two years unless you use them during that time period; however, some cards allow you
4. Foreign Transaction Fee
As of January 1, 2020, all credit cards will have a 3% foreign transaction fee. The Foreign Transaction Fee is the fee charged by most banks for transactions made in foreign countries.
This fee is typically 2-3% and is charged on top of the exchange rate (which can also be high) so it can add up quickly if you use your card overseas. If you’re planning on using your credit card abroad, make sure to check that the card you choose has no foreign transaction fees before leaving home!
Foreign Transaction Fee: This is the fee you pay when you make a purchase in a foreign currency. For example, if you use your card while traveling abroad, the retailer may be charged a fee by the bank that issued your credit card.
The retailer may pass this fee on to you as part of the total cost of your purchase. If your credit card has an annual fee, it might not be worth paying for just one trip abroad. Consider using a no-fee debit or cash instead.
5. Purchase Protection
Purchase Protection is a benefit of your credit card that covers you in the event that a product you purchase with your card is damaged or stolen within the first 90 days. It’s similar to the protection most credit cards provide against fraudulent charges, but it extends to physical items and not just purchases made online.
What Is Purchase Protection?
Purchase Protection is available on most major credit cards and allows you to file a claim if something you buy is damaged or stolen within a certain period of time after you make the purchase. For example, if you buy a new TV on an Amazon Prime Rewards Visa Signature Card and it gets damaged two weeks later, you can file for reimbursement for the cost of the TV under Purchase Protection.
The duration of your coverage will depend on how long your card issuer requires you to wait before filing for reimbursement on an item: For example, American Express requires that claims be filed within 90 days from when you received the item and Mastercard requires that claims be filed within 120 days from when you received the item.
Purchase Protection vs. Credit Card Fraud Protection
Credit card fraud protection works differently than Purchase Protection because it covers fraudulent charges (think identity theft) rather than physical goods purchased with your card.
Business Credit Card Application Requirements
Business credit cards are an excellent way to grow your business. They can help you earn rewards, receive perks, and build your credit history.
You can apply for a business credit card directly through the issuer or through a third-party co-signer.
Before applying for a business credit card, make sure you know what is required to qualify for one. Business credit cards have slightly different requirements than personal credit cards.
The following are some of the most common application requirements:
- Be 18 years old or older (some issuers will accept applications from younger people but they may charge an additional annual fee).
- Have a valid Social Security number (SSN).
- Be employed by the company listed on the application form.
- If you’re self-employed, you must show proof of regular income, such as tax returns or pay stubs, that shows you receive at least $3,000 per month in income.
Wait for Card Approval
If you’ve been approved for a credit card, but the card hasn’t arrived yet, you can still use your new card to make purchases.
However, you’ll need to wait until the card has arrived before making any large purchases that may require purchase protection coverage.
When you apply for a credit card, you’ll typically be given an estimated date when the card will arrive in the mail.
If your credit card application is approved and your account is activated before this date, you’re usually allowed to make purchases with your new card despite not having received it yet.
If you’ve been approved for a credit card, but the card hasn’t arrived yet, you can still use your new card to make purchases.
However, you’ll need to wait until the card has arrived before making any large purchases that may require purchase protection coverage.
When you apply for a credit card, you’ll typically be given an estimated date when the card will arrive in the mail.
If your credit card application is approved and your account is activated before this date, you’re usually allowed to make purchases with your new card despite not having received it yet
Best Business Credit Cards – Executive Summary
With the best business credit cards, you can earn rewards, bonus points and miles on every purchase.
There are also some great rewards for being an excellent customer. For example, with the Chase Ink Business Preferred Card and Chase Ink Business Cash Credit Card you get 2 points per dollar spent on office supplies and technology purchases (with a $500 minimum spend), or 1 point per dollar spent on any other purchase.
These cards also have no annual fee. The Chase Ink Small Business credit card has no annual fee either but requires good (at least 4) year of on-time payments to qualify for the sign-up bonus.
