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I use Capital One credit cards for both personal and business. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. As long as you charge it to your Capital One card you ...
The best business credit cards offer initial bonuses worth $1,000+, ongoing rewards equal to 5% back or more in some cases, free employee cards and other helpful perks. If you’re interested in travel points, go with a business credit card affiliated with your favorite hotel chain or airline if you always use the same one.
We use two business credit cards, Chase Ink for our everyday purchases and American Express (Gold) charge card for our shipping charges. The Chase Ink card has no annual fee. It only offers a 1.5% rebate but we have a high credit limit on this card, so we use it for that reason. Our American Express card has a $250 annual fee.
Blue business could suit your needs also. Cap 1 business 2% on everything. I got a Chase that only gives me %5 on utilities, like phone/internet, and other crap I don't do, and %1 on everything else. So %99 is all %1 back. Probably sucks, but that's probably normal for business cards, I don't know.
For your very small business aiming to grow, I'd recommend looking into business credit cards that offer decent cash back and a small sign-up bonuses, like Winden's . Look for cards tailored for small businesses with low overhead and expenses. As your business expands, you can explore options with more benefits and rewards.
Amex Gold. Amex BBP (Personal use) Citi Double Cash. Barclays View (previously Uber Card) TD Bank Cash Back Card. Apple Card. * FICO Scores with source: 776. * Oldest credit card account age with you as primary name on the account: 6 years. * Number of personal credit cards approved for in the past 6 months: 0 (Amex Plat, soft pull)
Some business credit cards do report on your personal credit report. All business cards will require a personal guarantee until you get to the corporate card level. About $1,000,000+ annual spend and they’ll want to see your books for that sorta stuff to go away. They do have insane limits though.
Business Cards do not exist in a legal/IRS sense. Business cards are simply a category that credit card companies have created. So you can use business cards on personal expenses and the IRS won’t care, because they don’t see “business cards”, they just see credit cards.
So Far, I am currently looking at the: Chase Ink Business PremierSM Credit Card: $1,000 Bonus, 2% Unlimited, 2.5% for Purchases >5K. Fidelity® Rewards Visa Signature: 2% Unlimited. Spark 2% Cash Plus: 2% Unlimited, $3,000 Cash Bonus. So far, I'm convinced on the Chase Ink Business Premier as it gives me 2.5% on purchases over $5,000.
Most business credit cards report to your personal credit because banks know that the finances of a small business are very related to the finances of that business' owner. If you get a business credit card that reports to your personal credit, it will affect your ability to get a car loan, mortgage or other personal debt in the future.