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.

Chase Ink Classic Business Credit Card

The InkSM Classic Business is one of the best small business credit cards available.

It has everything you could want in expanding your business:

  • A 0% introductory offer
  • Bonus points
  • A rewards program
  • No annual fee
  • Free employee cards

You’ll get 0% for up to 6 months when you sign up. Chase gives you 10,000 bonus points after your first purchase. You’ll also get 15,000 bonus points after you spend $5,000 in the first three months of having the card, give you a total of 25,000 bonus points to put on your account. You can then convert those points to about $250 in rewards. Chase gives you 5 points for every dollar spent on office supplies, phone service, and bundled cable services. You’ll get 2 points for every dollar spent on gas and hotels. Plus, all of your other non-bonus category spending still earns 1 point for every dollar spent. There’s no annual fee and you get free employee cards.

What else could you possibly want? (Read our full review of the Chase Ink Classic Business Credit Card.)

Apply now for a InkSM Classic Business credit card to get the 25,000 point bonus and 0% APR!

Ink Bold with Ultimate Rewards Charge Card

What’s better than 25,000 bonus points like you get with the Chase Ink Classic listed above? Getting 50,000 bonus points worth at least $500 in rewards with the The New Ink BoldSM with Ultimate Rewards charge card.

  • Bonus points
  • A rewards program
  • First annual fee is waived
  • Free employee cards

You’ll earn the same great rewards that you will with other Chase Ink cards (5% for office supplies, phone service, and bundled cable service, 2% for gas and hotels, and 1% for everything else). You also get complimentary access to VIP airport lounges across the world.

The only major difference is this is a charge card, not a credit card. That means you have to pay off your balance at the end of every month rather than carrying a balance. It’s like getting rewarded for using a credit card like a debit card.

Apply now for the The New Ink BoldSM with Ultimate Rewards charge card to get the 50,000 point bonus worth $500!

Ink Cash Business Credit Card

The Ink CashSM Business Card is the bread winner of the available Ink cards. The Ink Classic gives you a reward bonus and a 0% introductory APR. The Ink Bold is a charge card with a rewards program and bonus points. And the Ink Cash card gives you the 0% introductory offer, a straight cash back bonus (no points necessary) of $100, the ability to earn $150 in extra cash back bonus, and no annual fee.

  • A 0% introductory offer
  • Bonus cash
  • A rewards program
  • No annual fee
  • Free employee cards

You’ll earn the same great rewards that you will with other Chase Ink cards (5% for office supplies, phone service, and bundled cable service, 2% for gas and hotels, and 1% for everything else), but instead of generating points you are generating straight cash that can be applied to your statement.

You will also get $100 in bonus cash back after your first purchase plus $150 in additional bonus cash back if you spend $5,000 in the first three months of card membership as well.

Apply now for the Ink CashSM Business Card credit card to get the $100 + $150 cash back bonus and a great rewards program!

Iberia Bank Visa Classic Credit Card

Iberiabank Visa® Classic CardSometimes you don’t need fancy reward programs from a business credit card. Maybe you have a big capital purchase to make that you want to finance over 12 months. Reward points would be nice, but they won’t help you if you’re carrying a large balance.

What will help you? A low APR credit card.

The Iberia Bank Visa Classic credit card has an APR as low as 7.25%. That’s incredibly low for a credit card of any kind. You can also transfer balances to the card and get an introductory rate of 1.99% on the transferred balance.

Do note, this is a personal credit card and not a business card. You can’t get employee cards. There isn’t a rewards program. However, there’s no annual fee and you’re getting a rock bottom interest rate as far as credit cards are concerned. For the most basic of financing needs for your business, this card is a great choice.

Apply now for the Iberia Bank Visa Classic credit card to get an APR as low as 7.25%!

Iberia Bank Select Visa Credit Card

Iberiabank Visa® Select CardThe Iberia Bank Select Visa Card is one step up from the Iberia Bank Visa Classic Card. The terms are almost identical: you get a rock bottom interest rate as low as 7.5% and it is a personal card.

There’s one added trade off: you get an introductory 0% APR for 12 months. In exchange for that perk, you pay a $35 annual fee. While we don’t normally recommend a basic credit card that also has an annual fee, if you had a big capital purchase to finance over 1-2 years this card fits the bill nicely. You can get the 0% for the first 12 months, then the low rate of 7.5% for as long as you need to pay off the balance.

Apply now for the Iberia Bank Select Visa Card credit card to get 0% APR for 12 months followed by 7.5% APR after that!

Simmons First Visa Platinum Credit Card

Simmons First Visa PlatinumThe Simmons First Visa Platinum Credit Card is similar to the Iberia Bank credit cards above. This is a personal credit card, not a business credit card. The interest rate is rock bottom at 7.25% variable. You pay no annual fee, and don’t get a rewards program.

If you do a lot of spending but never carry a balance, this isn’t the card for you. (You would be better off with a rewards program card.) However, if you’re trying to expand your business and finance a purchase of equipment, paying 7.25% isn’t that bad.

Apply now for the Simmons First Visa Platinum Credit Card to get the 7.25% APR on all your purchases!

Table of Small Business Credit Cards and Charge Cards

Here’s a table to summarize all of the card options:

Small Business Credit/Charge CardAPRRewardsBonusAnnual FeeEmployee Cards
Chase Ink Classic BusinessIntro: 0% for 6 months; After: 13.24%Yes; 5x on office supplies, phone service, and bundled cable service, 2x on gas and hotels, 1x on everything elseYes; 25,000 points when you spend $5,000 in 3 monthsNoYes
Chase Ink BoldN/A (Charge card; must be paid off monthly)Yes; 5x on office supplies, phone service, and bundled cable service, 2x on gas and hotels, 1x on everything elseYes; 50,000 points when you spend $5,000 in 3 months$0 first year; $95 afterYes
Chase Ink Cash BusinessIntro: 0% for 6 months; After: 13.24%Yes; 5x on office supplies, phone service, and bundled cable service, 2x on gas and hotels, 1x on everything elseYes; $250 if you spend $5,000 in 3 monthsNoYes
Iberia Bank Visa ClassicIntro: 0% for up to 12 months; After: 7.25 - 13.25%NoNoNoNo
Iberia Bank Visa SelectIntro: 0% for up to 12 months; After: 7.5% to 13.5%NoNoYes; $35No
Simmons First Visa Platinum7.25%NoNoNoNo

This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser’s affiliate programs.

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Comments | 8 Responses

    • Jeff Rose says

      I’ve definitely had several people say how much they love their Chase Ink card, especially small business owners. As a total rewards credit card, there aren’t that many better out there.

  1. Stanley Smith says

    Many people overlook the small business owners need for great credit cards that help them track and manager expenses. Instead of the social security number the small business will normally have an EIN number for tax tracking purposes.

  2. Jennifer D. says

    Hmm, interesting article for cash strapped businesses. I can see how a can see why a couple of these could come in handy. Now if we could only get those same perks for our personal cards…

  3. Will Work For Food says

    Even If I needed seed money to start my business, obtaining a card would be my last resort. I would beg, borrow or steal from my family first.

  4. Fred M. says

    Pay attention to those grace periods. That’s where the card companies get you. They may start off at 0% interest but before you know it, your interest rates will be as high as your blod pressure!

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