Running your business as smoothly and efficiently as possible is the goal, and having a business credit card that fits that mold is just as important. The question then arises, should you have a business card and which one?

Research shows that many small to mid size businesses have been saved or boosted by the additional capital their business credit card has provided them. Without it, some business owners state their business could not have stayed afloat.

Is it ok to have more than one business credit card? Absolutely, if you have a business card that pays cash back on gas purchases, and another one that specializes in company expense reporting, and one that pays cash back for all other purchases, then use the gas business credit card for all your gas purchases, and the expense reporting business card for your employees, etc.

Just remember, rewards business credit cards offer great rewards, but don’t let those rewards points cost you more than what it is worth. Always read the fine print when applying for a small business credit card. Below you will find some of the features of some excellent business credit cards, with some of the fine print made big.

The Advanta Platinum BusinessCard with Rewards? features a 0% intro APR on? balance transfers? for? 15 months.? After the 15 months, the interest rate is 7.99% fixed. Your apr on purchases is a variable 7.99%. 5% cash back on all travel rewards. Advanta is the leader in business credit cards.

Business Gold Rewards Card from OPEN the small business team

• Business ownership has become more rewarding
• Earn up to 40,000 bonus points in one year – enough for one domestic round-trip airline ticket plus other business supplies.
• Points have no expiration date
• No limit to the number of Membership Rewards® points you can earn
• No annual fee for the first year – a savings of $125
• No pre-set spending limit* and no finance charges
• Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
• Automatic Complimentary enrollment in the Membership Rewards® program
• Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

Apply Now!

Discover® Business Card Sign up for a Discover® Business Card today and enjoy a 0% Introductory APR* on Purchases for 12 months. There is no annual fee and you can earn Up to 5% Cashback Bonus? on office supplies, 2% on gas and up to 1% on all other purchases.* Plus, PurchaseChecks that pay you back.

The Chase Business Cash Rewards Card gives you a great way to earn on every business purchase you make.

• Earn up to 5% cash back with unlimited rewards potential.


• With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.


• 0% APR*

on purchases and balance transfers for up to 12 months**

• Pay No Annual Fee


• Receive quarterly management reports


• Receive additional cards your employees can use

The Business Edition® Visa® Card

• 0% APR* on purchases for the first 12 billing cycles after account is opened
• No annual fee
• Separate business expenses for company travel, entertainment, supplies or other necessary purchases
• Online access to view transactions, pay your bill, view up to 48 prior statements for both individual cardholders and for companies with multiple cardholders
• Purchases automatically protected from theft or damage within the first 90 days
• Receive easy-to-read management reports, itemizing your employees’ business expenditures
• Get records of tax-deductible expenses
• Receive up to 60% off regular rates at more than 11,000 hotels, motels and resorts in 146 countries and territories
• $100,000.00 in travel accident insurance whenever you charge the full amount of your travel tickets to your Visa® Business Card
• Auto Rental Collision Damage Waiver when you charge the full amount to your car rental to your card

Apply Now!

American Express SimplyCash^SM Business Card

• Earn 5% cash back on gas, office supplies and wireless services


• Earn 1% on cash back on virtually all other purchases


• Cash back is automatically credited to the statement each month


• No fee with the flexibility to pay in full or carry a balance


• 0% introductory APR for the first 12 months


• OPEN Savings? : Automatic discounts with FedEx, Delta?, Courtyard by Marriott?, and more

Looking at the above business credit cards. If you have balances that you would like to transfer and pay no interest, Advanta, Discover and American Express are what you are looking for. As far as purchases go, all business cards suit each of your purchases needs.