Credit Cards

The best credit cards for small businesses in 2023

Get an overview of the top credit cards for small business owners and learn how they can help manage expenses, build your company's financial security, and take advantage of rewards.

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Discover which cards give you maximum benefits with minimum fees!

Check this list with the best business cards for your small business. Source: Canva.Source: Canva.

Are you an entrepreneur looking for ways to make your life easier? Credit cards can be an incredibly useful tool when it comes to managing expenses, and we’re going to show you the best credit cards for small businesses in 2023.

With the right credit card in hand, you can take advantage of some amazing perks that are specifically designed with small businesses in mind.

You’ll be able to improve your cash flow and earn great rewards with good use.

In this article, we’ll cover everything from introductory APR offers to rewards programs, so you can feel informed and confident about choosing the best card for your company’s needs.

So read on as we explore some of the best credit cards for small businesses!

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Credit cards that will give all small businesses a solid boost

We all know that running a small business can be difficult. Sometimes you may find yourself pushed for cash and resources to get your business up and running.

The good news is, there are some great options available if you’re looking for credit cards to help boost your business finances.

As the owner of a small business, having an easy-to-use credit card with suitable terms could make a big difference to getting everything off the ground quickly.

So keep reading to find out which credit cards can help make life as an entrepreneur easier!

Capital One Spark Cash Plus

These business cards will help you put your finances back on track. Source: Canva.

The Capital One Spark Cash Plus is one of the best cards for small businesses and is a great way to get ahead.

With this card, you can enjoy unlimited 2% back on every purchase you make, with no categories to keep track of – and a generous sign-up bonus too.

The cards come with fraud protection, online banking services, and an extended warranty feature that helps protect your purchases.

You can also take advantage of helpful purchase tracking tools to save time and money. There’s no APR, because it’s a Pay-in-Full card, and the annual fee hits the $150 mark.

However, there’s no preset spending limit, which means your credit line adapts to your business expenses, payments history and spending behavior. 

capital one spark cash plus

Spark Cash Plus Credit Card application

The Spark Cash Plus Card from Capital One is a solid money management tool for your business. Learn how you can apply for it!

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card from Chase is also one of the best cards for small businesses. With it, you can get cash back on purchases at office supply stores and phone/internet/cable services.

You’ll also earn a high rate at gas stations and restaurants – a great way to cover your business costs while also earning rewards.

With no annual fee, free employee cards, and flexible redemptions, you’ll save while you earn faster and trade for whatever you need.

With the Ink Business Cash® Credit Card, you’ll also get a 0% fixed introductory APR on purchases for the first 12 months of membership. Once that period comes to an end, the variable 17.74% – 23.74% applies. 

Ink Business Cash® Credit Card

How to get your Ink Business Cash® card

Looking to get a cashback business card? Read this Ink Business Cash® Credit Card application guide and get yours in a few minutes.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card is undoubtedly one of the top credit cards designed for small businesses.

With it, you’ll earn 2x points on daily business expenses – from dinners to office supplies. Plus, there’s no annual fee so you’ll save money right off the bat.

New members can enjoy a generous sign up bonus worth 15,000 Membership Rewards® points (terms apply), and the first 12 months of 0% APR on purchases (17.74% – 25.74% variable rate after that). 

The Blue Business® Plus also offers cardholders the ability to spend above their credit limit if needed.

With Amex’s Expanded Buying Power, you can rest assured that all your business needs will be taken care of.

Ink Business Preferred® Credit Card

Keep reading to see more business credit cards. Source: Freepik.

Chase’s Ink Business Preferred® Credit Card is also one of the great cards for small businesses.

With a solid and enticing rewards program, one-of-a-kind up bonus and low annual fee, it’s easy to see why this card has quickly become a favorite with entrepreneurs. 

With this card, you’ll earn 3 points per $1 spent on travel and qualifying business categories, such as advertising purchases, internet, cable and phone services (up to $150,000 a year).

You can easily redeem your points for whatever works best for you, and they don’t expire.

The Ink Business Preferred® Credit Card offers online monitoring, zero liability charges, and purchase protection – all to give you an extra layer of peace of mind so you can run your business as smoothly as possible. 

American Express Blue Business Cash™ Card

Finally, The American Express Blue Business Cash™ Card is one of the best credit cards available in the market for small businesses.

This card welcomes all new members with an enticing sign up offer worth $250 in statement credits (terms apply). 

Then, it offers 2% back on all qualifying purchases up to $50,000 a year and 12 months of 0% APR on purchases (variable rate between 17.74% – 25.74% after that) – all with a total of ZERO annual fees. 

This is also a card that adapts to your business’ needs thanks to American Express’ Expanded Buying Power.

That means you can go over your credit limit when you need it, and Amex has your back to cover all of your expenses. 

What are the most profitable businesses in 2023?

Are you looking to get into the business world and make a profit with your ideas?

We all know that starting a successful business can bring about huge rewards, but which ones offer the most potential return in 2023?

In the following link, we’ll take an in-depth look at some of the most profitable businesses out there today so you can determine what might be best for you.

From high growth startups to brick and mortar establishments, we’ll explore different ways to turn your passion and hard work into profits. Let’s dive right in!

profitable businesses

What are the most profitable businesses in 2023?

Are you looking to start your business and are wondering which industries will be the most profitable this year? Check out this post to find your business idea!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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