Best Business Cards For 2020


Money Matters

Jul, 29 2020

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Start earning rewards your business can use today.

Using the right business credit card is a smart move that can boost your bottom line with cash-back, airline rewards, or get 0% intro APR financing to help your business grow.

We’ve done the research, these are the best business credit cards of 2020. Read our reviews below. We make it easy to find the right card to grow your business!

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The Blue Business® Plus Credit Card from American Express is an excellent business credit card for business owners looking for a simple rewards credit card to boost their bottom line. There is no annual fee for this card, nor are there annual fees on any employee cards you add to the account.

Cardholders will Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. The points don't expire and there is no limit to the amount of points you can earn. This is a great business credit card for small and large business owners alike.

To top it off, there is an intro APR of 0% on purchases for 12 months from date of account opening on purchases and N/A on balance transfers. That makes this an excellent card for business owners who want to make big purchases with the card and pay them off interest free over the long intro period. After the introductory rate, the ongoing APR is 13.24% - 19.24% Variable based on your creditworthiness.

Overall, with the The Blue Business® Plus Credit Card from American Express, you can get bonus points for the purchases you make without worrying about an annual fee. If you're looking for a credit card with a nice intro APR to help you pay for small business expenses, this could be a great option.

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The CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® is designed for those who travel for business. You Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.

Cardmembers will also enjoy earning 1 AAdvantage mile per $1 spent on all other purchases. New card members can also earn a big sign up bonus with this card: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Other travel perks include a free checked bag for you and 4 companion travelers, preferred boarding privileges, and 25% off in-flight purchases. There is an annual fee of $99, waived for first 12 months, which is a pretty standard fee as far as airline rewards cards go. For those who have a business that requires a lot of travel with American Airlines, this card is a great pick. Miles are easy to accumulate with 2x the miles on American Airline purchases, and other great travel perks.

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If you own a business, you have business expenses. Rather than letting that money go to waste, why not get some of it back? That's possible with the American Express Blue Business Cash™ Card. The rewards program for this card is a little complicated, but it offers a nice return for your money. Card members can Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

Even better, there is no annual fee with the card and comes with an introductory APR of 0% on purchases for 12 months from date of account opening. The on-going APR after that is 13.24% - 19.24% Variable, depending on your credit worthiness. As long as you use this card on a regular basis, you should be able to benefit from the rewards associated with it. Plus, card members have access to exclusive benefits like Purchase Protection and Travel Accident Insurance.

American Express Blue Business Cash™ Card has the killer combination of no annual fee and lots of cash back opportunities, so this card has one of the most profitable cash back programs on the market. This card is a nice option for business owners who already have established credit.

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The Amazon Business Prime American Express Card is a no-annual fee business credit card that offers a unique reward structure. Cardholders can choose between an interest-free financing period or cash back and can take advantage of 5% Back or 90 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership - that feature drops to 3% back or 60 day terms if you aren’t a Prime member. Plus, Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card. The on-going rewards rate is 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers, 1% on other purchases.

While other business credit cards may offer bigger sign-up bonuses and better rewards rates on business spending categories, without any membership fee required, this card gives business owners options to choose between cash back or interest-free financing. If cash flow is tight, interest-free financing can be attractive feature for business owners. If your business spends at Amazon and you can benefit from the flexibility of interest-free financing due to cash flow fluctuations this card could be a good match for you.