Best Small Business Credit Cards and Charge Cards

Are you bootstrapping your business and in need of a credit card to help you expand your operations? Or has your company grown and you are just looking to maximize the rewards from your spending so you can continue your growth?

With a dizzying array of small business credit cards and charge cards available it can be frustrating to dig through all of the details and find the best one. Do you need a low APR, a 0% introductory offer, bonus points, or a rewards program? Or a combination of all of them?

11 Best Small Business Credit and Charge Cards

Here are the top small business credit cards and charge cards you can use to grow your business.

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Growing a Freelance or Small Business? Use Chase Ink Classic Business to Grow Your Empire (Now with $250 in Rewards!)

Successfully growing your entrepreneurial motives into a side business (or more!) is challenging, taxing, rewarding, and extremely gratifying.

Who doesn’t want an empire of their own?

Want $250 to help you build your empire? Apply for a Chase InkSM Classic Business credit card today.

It’s also incredibly difficult.

You’ve got to juggle sending invoices to clients, processing orders, responding to questions, and actually completing the work your customers want. Oh, and if this is really a side business you still have a day job to manage as well. It’s hectic, often by the seat of your pants, and glorious. You’re the boss and you get to make all of the decisions.

However, there’s one problem with growing a side businesses: it is very easy to get so busy that you forget to do other important tasks like eating, laundry, taking a shower, and paying your bills.

One way that many people handle their bills is to set them up to be automatically paid every month. This is beneficial because it takes the thought out of having to open the envelope, pull out the bill, write the check… and so on. But when you automate your finances there is always the risk of an incorrect charge slipping by you (not as common) or worse yet missing out on deals or potential discounts from your suppliers (definitely more common). You instinctively delete the emails from the cable company offering you $10 off per month for 12 months if you renew today because you assume it is just marketing spam. You’re busy, you don’t have time to read marketing messages. Back to building your empire.
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Want $100 for Free? Get a Chase Freedom Visa or Mastercard

Who doesn’t like free cash?


Chase Freedom will give you $200 if you sign up for either a Chase Freedom® Visa or Chase Freedom® MasterCard.

The best part? Chase Freedom is one the best cash back credit cards available. You’re not signing up for a garbage credit card just to get some cash back. Let’s look at how it works and why this is a card that you should consider having even if they didn’t offer $200 in bonus cash.
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Slate from Chase Credit Card Review – With No Balance Transfer Fee and Now 0% APR for 15 Months!

Slate from Chase Credit Card

If you knew you could use a credit card to finally get out of debt forever, would you be interested in learning more about it?

The very thing that has cost you thousands in interest could end up being the lifeline that pulls you out of debt.

Whether you overspent for a recent celebration, have struggled to make ends meet due to the bad economy, or just recently had an unexpected emergency, your credit card currently has a balance. And there’s one thing we all know about credit card debt: it will cost you a fortune in interest.

Wouldn’t it be nice to get rid of it once and for all?
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Best Student Credit Cards for College Spring Break

Discover® Student Tropical Beach CardAre your friends planning a last minute Spring Break trip, but you aren’t sure how you’re going to be able to go?

Don’t be left behind at the dorms! Traveling over spring break on some crazy adventure is a rite of passage for college students. You simply haven’t lived if you’ve never booked a flight 24 hours before your spring break starts to travel to the Gulf Coast, Mexico, or New York City.

Or maybe you’re like me and you hate flying. Instead you’re going to be piling in with four of your friends into a suddenly very inadequately sized sedan to drive to the Grand Canyon and back in four days.
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Get a Free Roundtrip Flight on Southwest Airlines with a Chase Southwest Airlines Rapid Rewards Credit Card

Wouldn’t it be nice to have someone else pay for the flight to your next vacation destination?

(And even better: what if that free flight was on the best airline in the country?)

You’ll get just that if you open up a Southwest Airlines Rapid Rewards® Plus Credit Card.

It might seem to be too good to be true. A credit card company will pay for a round trip flight for you? What’s the catch? (Yes, there is a very small catch. We’ll get to that in just a second.) But the bottom line is you actually can get a free flight on Southwest Airlines after you first use your Chase Southwest Airlines Rapid Rewards Plus Credit Card.

For the travel buffs (or business travelers) out there, this is a great travel rewards card.

How Does the Bonus Flight Points Work?

After you apply for the credit card and activate your account, you will qualify for the bonus points after your first purchase on the card. After that first swipe you’ll get 25,000 points applied to your account which is enough to claim two one-way flights that would normally cost you $208 each way. Those two flights will eat up 24,960 of those bonus points.

It’s really that simple.

But a free flight isn’t the only reward you will get. There are other great perks, too.

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Discover More Credit Card Review – 0% APR on Purchases and Balance Transfers

Discover® More® CardAre you currently struggling to keep up with your credit card minimum payments? Are you paying interest in the 14.99% to 24.99% (or higher) range?

You need to pay attention.

Did you know you can get a 0% loan for 18 months?

Imagine what dropping your interest rate down to 0% could do for your financial situation. That $5,000 balance that you’ve been chipping away at for months with no progress could be wiped out in 14 months if you really put your mind to it.

Don’t believe me? Let’s do some easy math.
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Review of Chase Blueprint

Have you ever struggled to manage your credit card use? Have you been frustrated to be charged interest on your every day items while you try to pay down your balance?

A new set of software by Chase Bank called Blueprint aims to help you manage your credit card use and pay off your debt with a plan. This is an exclusive benefit to having certain Chase credit cards. Your other credit card companies can’t offer you access to Blueprint, and not every Chase card qualifies.

What is Chase Blueprint?

Blueprint is an online program that Chase credit cardholders get access to. It helps you handle a variety of credit card tasks: from avoiding paying interest to paying off a big balance with a dedicated debt-reduction plan. [Read more…]