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What are the Top Business Credit Cards in 2019?

Summary:Discover the best business credit cards of 2019, including Chase Ink Business Preferred, American Express Business Gold Card, Capital One Spark Cash for Business, and CitiBusiness AAdvantage Platinum Select World Mastercard. Choose a card that fits your needs and spending habits to save money and earn rewards for your business.

As a credit card expert, I can confidently say that 2019 has been a great year for business credit cards. With so many options available, it can be overwhelming to choose the right credit card for your business needs. In this article, we’ll explore some of the top business credit cards of 2019 and what makes them stand out from the rest.

Chase Ink Business Preferred

The Chase Ink Business Preferred credit card is a popular choice among business owners because of its generous sign-up bonus and rewards program. Cardholders can earn 80,000 bonus points after spending $5,000 in the first three months of account opening. Additionally, the card offers 3x points on travel, shipping, internet, cable, and phone services, and advertising purchases made with social media sites and search engines. The annual fee is $95.

American Express Business Gold Card

The American Express Business Gold Card is another great option for business owners who want to earn rewards. This card allows cardholders to earn 35,000 Membership Rewards points after spending $5,000 in the first three months of account opening. Additionally, the card offers 4x points on two of the following categories: airfare, advertising, gas stations, shipping, and computer hardware and software. Cardholders also receive a $100 airline fee credit each year. The annual fee is $295.

Capital One Spark Cash for Business

If you prefer cashback rewards, the Capital One Spark Cash for Business credit card may be the perfect fit for you. This card offers unlimited 2% cashback on all purchases, with no minimum spending requirement. Additionally, cardholders can earn a $500 cash bonus after spending $4,500 in the first three months of account opening. The annual fee is $95.

CitiBusiness AAdvantage Platinum Select World Mastercard

If you’re a frequent traveler, the CitiBusiness AAdvantage Platinum Select World Mastercard may be the right choice for you. This card offers 65,000 bonus miles after spending $4,000 in the first four months of account opening. Additionally, cardholders receive a free checked bag on domestic American Airlines flights and priority boarding. The card also offers 2x miles on eligible American Airlines purchases and select business categories. The annual fee is $99.

Tips for Applying for Business Credit Cards

Before applying for a business credit card, it’s important to make sure you’re eligible. Most credit card companies require that you have a registered business with a tax ID number. Additionally, you’ll want to make sure your personal credit score is strong, as this will be a factor in the approval process.

When choosing a credit card, it’s important to consider your business needs and spending habits. If you travel frequently, a card with travel rewards may be the best option. If you prefer cashback rewards, choose a card that offers unlimited cashback on all purchases.

It’s also important to watch out for annual fees and other potential fees. Make sure you understand what you’re paying for and what benefits you’re receiving in return.

In conclusion, choosing the right business credit card can help you save money and earn rewards for your business. By considering your needs and spending habits, you can find the perfect card to fit your business needs.

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