Small business credit cards often have higher spending limits and generous rewards programs than consumer cards. Some have additional benefits, such as low APR, attractive balance transfer promotions, personal assistance services, and other benefits.

Small business credit cards
The small business credit cards have low APR and others benefits

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting zero interest credit cards in the US, to get more information people can read the article Ten best zero interest credit cards for you choose in the US. Now, let find knowledge about the small business credit cards in the post today.


Just like a lot of article posts such as interest-free credit card, unsecured credit cards for bad credit, credit cards with no annual fee, online credit card payment…, this post about small business credit cards also includes some main parts. They are:

1. The benefits of the small business credit cards

1.1. To separate your business and personal expenses

One of the most important reasons to get a small business credit card is that it separates your business and personal expenses and allows you to track your business spending. This makes the record keeping much easier than the tax time. For freelancers, 15.3 percent of our income is a self-employed tax, but with business credit cards, we can easily see our costs and split them into several deductions possible.

Each swipe is an opportunity to reduce your taxable income and most credit card companies and banks that offer these cards allow you to export monthly or year-end reports that you can send to people. tax return on arrival at the annual tax refund.

1.2. Financial flexibility

Cash flow is always a problem for freelancers, but corporate credit cards provide a revolving credit line that we can use when it comes to buying an expensive business, when work is slow or when We wait for customer checking to pay the bill.

Just be aware that like personal credit cards, corporate credit cards also carry interest rates, and in some cases, an annual fee. Shop around for no annual fee card or a card with a 0 percent referral APR to cover some of your business expenses when cash is tightened.

1.3. Earn rewards

Whether you sell handmade soap on Etsy or design ads to make a living, every freelancer has a constant cost. So why not get the reward for how much you spent?

Business credit cards come in a variety of categories, including a bonus card for you to spend days or travel reward cards with a grade-based system for different categories. Before you register your card, it’s important to determine which reward structure is right for you.

Small business credit cards
The small business credit cards have low APR and others benefits

2. How to get small business credit cards

Anyone who runs a business can apply. You do not need to be formal or structured like LLC or partnership. The only owners who qualify and your business can be your full-time job, part-time activity or even just a side job. Be prepared to answer questions on the application about:

Your business name (if any) and contact information.

  • Your business, how long you have been in business and how many employees you have.
  • Annual sales and spending of your business.
  • You do not need an existing business credit history. That is because, as described above, you may be personally responsible for the debts of the business.

You will need a Federal Taxpayer Identification Number. For the sole owner without employees, this may be just your Social Security number. If you have your employees or businesses that meet some other criteria, you will have an Employee ID. You can use that – but the application may still require your Social Security number.

3. The best small business credit cards

Credit Card Best For Intro APR Regular APR Annual Fee
Ink Business Preferred℠ Credit Card

Sign-up bonus

18.24% – 23.24% Variable APR
Capital One ® Spark® Cash for Business


19.24% Variable APR

Waived the first year

SimplyCash® Plus Business Credit Card from American Express

Customizable rewards

0% on Purchases for 15 months
14.49% – 21.49% Variable APR
The Business Platinum® Card from American Express

Business travel card

Capital One® Spark® Miles for Business

Flat-rate travel rewards

19.24% Variable APR

Waived the first year

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

No-fee travel rewards

0% on Purchases for 9 billing cycles
13.49% – 23.49% Variable APR
The Blue Business℠ Plus Credit Card from American Express

0% Intro APR period

0% on Purchases and Balance Transfers for 15 months
3.49% – 21.49% Variable APR
Capital One® Spark® Classic for Business

Fair credit

25.24% Variable APR

This post is about small business credit cards. We provide this information to offer you some of the necessary information that is useful for getting small business credit cards. Also if you are looking for information about the online credit card payment fee, please refer to Some tips for lowering the online credit card payment fee link we just provided in the previous article. 

Hillary (Team Content) – Info Credit Free