Business

One of the hardest parts about owning your own business is finding the money to do so, and let’s face it: in order to make money, you have to spend money. Business credit cards can be immensely useful to not only large corporations, but even small home-based businesses.

The main advantage of using a business credit card is being able to easily separate personal expenditures from business ones. Why should you use the same credit card for dinners out with your wife as you do to buy a new forklift at work? If you had a business credit card, you wouldn’t have to.

Business credit cards also enable you to keep track of all your spending, including that of your employees who may also have a business credit card. Your statements are available online, at any time. Using a business credit card helps you build a better credit score for your future loans as well. Most business credit cards also offer rewards programs exclusive to popular business expenditures, like five percent back on the purchase of business-type items.

Business credit cards are one of the easiest ways to keep track of your business expenditures, no matter how big or small your business may be. So, if you already own a business or are thinking of starting one, check out business credit cards and the unique advantages they may offer you as a current or future business owner.

The Plum Card® from American Express OPEN

The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
Pay in full within ten days, get a 1.5% discount
OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
$0 introductory annual fee for the first year, then $185
A powerful cash flow management tool

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 introductory annual fee for the first year, then $185*	N/A*	Excellent*

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

lg_AmEx-Gold-Delta-SkyMiles-Business-Credit-Card (1)

Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
Check your first bag free–for up to 8 people on your reservation–on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In–Flight Savings
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
*	*	*	$0 intro annual fee for the first year, then $95. No annual fee for Additional Cards*	*	*

Ink℠ Classic Business – Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2X points per dollar on the first $25,000 spent annually on fuel and dining*
1 point per dollar on all other card purchases with no limit on the amount you can earn*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	N/A*	13.24%*	$0*	Intro: 0% 6 months*	Excellent*

Ink Cash℠ Business Card

$250 cash back bonus after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
2% cash back on the first $25,000 spent annually on gas and dining
1% cash back on all other purchases with no limit on the amount of cash back you can earn

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	N/A*	13.24%*	$0*	Intro: 0% 6 months*	Excellent*

New Ink℠ Bold With Ultimate Rewards℠

50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
No limit to the number of points you can earn - and points do not expire
5X points per dollar on the first $50,000 spent annually on eligible business purchases
No foreign transaction fees and Free Employee Cards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 for the first year. After that $95.00*	N/A*	Excellent*

The Business Gold Rewards Card® from American Express OPEN

Earn points even faster to get more rewards for your business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
One million rewards from over 500 brands
Unlimited Rewards Potential – there is no limit to the number of points you can earn and points do not expire
24/7 support for everything from identity theft to travel emergencies
Get unlimited Additional Gold Cards for an additional annual fee of $50 — and this fee is waived for the first year

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$0 introductory annual fee for the first year, then $175*	N/A*	Excellent*

Starwood Preferred Guest® Business Credit Card from American Express OPEN

Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%*	See Website*	15.24% Variable*	$0 introductory annual fee for the first year, then $65*	N/A*	Excellent*

SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases
Get 3% cash back on automobile gasoline
Get 1% cash back on other purchases
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	N/A*	N/A*	No annual membership fee*	N/A*	Excellent*

The Business Platinum Card® from American Express OPEN

Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
Complimentary airport club access to 600+ partner lounges, a $950/yr value
By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
No pre-set spending limit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	$450*	N/A*	Excellent*

Applied Bank® Visa® Business Card

Credit Limits available to $750
Sole Proprietors and Entrepreneurs Welcome - No Business Too Small!
Perfect for Your Everyday Business Needs
Your Business Name on YOUR Business Card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	23.99%*	See Terms*	N/A*	Fair - Poor*