As a startup, you need every advantage you can get to help your business grow. That's where business credit cards come in.
Business credit cards can help you manage your expenses and keep track of your spending. They can also help you build your credit history and increase your credit score. This is important, as it can make it easier for you to get loans and other types of financing when you need it.
There are many different business credit cards on the market, so it can be difficult to know which one is right for you. That's why we have put together a list of the best business credit cards for startups.
We have evaluated each card based on its features, rewards, and fees. And we have highlighted the ones that offer the best value for startups. So read on to find the best business credit card for your startup.
{getToc} $title={Table of Contents}
What Makes a Good Business Credit Card for Startups?
When looking for a business credit card, there are a few things to keep in mind.
A good business credit card should offer a low interest rate and no annual fees. It should also have a high limit, so you can use it to finance your startup costs.
The best business credit cards also come with rewards programs, which can help you save money on office supplies or travel expenses.
So, when shopping for a business credit card, be sure to look for one that meets your needs.
Best Cash Back Business Cards for Startups
If you are a startup, you need to be smart about how you manage your finances.
A good way to start is by getting a business credit card.
There are a number of different business credit cards on the market, but the best ones are the ones that offer cash back rewards. These cards allow you to earn a percentage of your spending back in the form of cash rewards.
Here are some of the best cash back business cards for startups:
The Blue Business Plus Credit Card from American Express gives you up to 2X points on your purchases and a 12-month 0% intro APR, making it a great way to pay for business expenses while also earning rewards.
The Chase Freedom Unlimited Card offers 1.5% cash back on every purchase and comes with a 0% intro APR for 15 months, making it a solid option for startups.
The Wells Fargo Cash Wise Visa Card offers 1.5% cash back on all purchases and comes with a 0% intro APR for 12 months, giving startups a great way to manage their finances and earn rewards.
The Capital One Spark Cash for Business Card gives you 2% cash back on all your purchases and a generous $500 bonus after you spend $4,500 on purchases within the first three months, making it an excellent choice for startups.
The Bank of America Business Advantage Cash Rewards Credit Card offers 2% cash back on all purchases and a 0% intro APR for the first nine months, providing startups with a great way to minimize costs and maximize rewards.
By taking advantage of the rewards offered by these business cards, startups can benefit from cash back rewards and manage their finances more effectively.
Best Points-Based Business Cards for Startups
If you are a startup, here are the best points-based business credit cards to consider.
The American Express SimplyCash Plus Card:
This card offers a generous 5% cash back on office supplies and wireless phone service, and 3% cash back on a category of your choice.
Chase Ink Business Preferred Credit Card:
This card offers 3x points on travel, advertising, and shipping expenses, as well as 1x point on all other purchases.
The Capital One Spark Cash for Business Credit Card:
This card offers 2% cash back on all purchases, with no limit to the amount of cash you can earn.
Best Rewards Business Credit Cards for Startups
If you're a startup looking for the best rewards business cards, then you should consider cards such as the American Express Business Gold Card or the Chase Ink Business Cash.
These cards offer great rewards and cash-back options, allowing you to get the most out of your money.
With these cards, you can get up to 5x points on travel purchases and 3x points on office supplies, as well as cash-back bonuses of up to 5%. Plus, you can get balance transfer offers and introductory APR rates starting at 0% for the first year.
Best Low Interest Rate Business Credit Cards for Startups
If you're a startup looking for the best business credit cards, you should look for cards that offer low interest rates.
Low interest rate business credit cards are a great way to keep your costs down and make sure your budget stays in line.
With these credit cards, you can take advantage of introductory 0% APR offers, allowing you to pay off large purchases over time without paying extra in interest.
Lower interest rates also mean that you can save money when it comes time to pay your balance each month.
Some of the best low-interest rate business credit cards for startups include the Citi Simplicity Card, American Express Blue Business Plus Card, and Chase Ink Business Cash Credit Card.
Citi Simplicity Card
The Citi Simplicity Card has an introductory 0% APR for 18 months on both purchases and balance transfers, and an ongoing APR as low as 14.49%.
American Express Blue Business Plus Card
The American Express Blue Business Plus Card offers a 0% introductory APR for 15 months and has an ongoing APR as low as 13.24%.
Chase Ink Business Cash Credit Card
The Chase Ink Business Cash Credit Card offers 0% introductory APR for 12 months and an ongoing APR as low as 12.99%.
Furthermore, other great low-interest rate business credit cards available to startups include the Wells Fargo Business Platinum Credit Card and the American Express Business Gold Card.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card offers an introductory 0% APR for 9 months, and an ongoing APR as low as 14.74%.
American Express Business Gold Card
The American Express Business Gold Card offers a 0% introductory APR for 9 months, and an ongoing APR as low as 13.99%.
These cards offer a variety of benefits to startups, helping them manage their costs and save money on interest payments.
Additionally, these cards also often offer a range of rewards, such as points and miles, as well as other perks such as travel credits and exclusive access to events.
With these business credit cards, startups can easily manage their finances while taking advantage of the benefits they offer.
In Conclusion
So, what are the best business credit cards for startups?
Any of the cards on this list could be a great fit for your business. But, if we had to choose, we’d recommend the Chase Ink Business Preferred card, the Capital One Spark Cash for Business card, or the American Express Business Gold card.
Each of these cards has different benefits and features, so be sure to read the reviews and compare them to find the one that’s best for your business.
