Best Business Credit Card Reviews | ChooseWhat.com

Business Credit Card Review Summaries

The ChooseWhat Newsletter

 

 

Best Business Credit Card Reviews

Ink Cash® Business Credit Card

Sign up now
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee
Conclusion:

The Chase Ink Cash® Business Card Credit Card has an excellent cash back rewards program and no annual fee. The Ink Cash® Business Card Credit Card charges an interest rate 13.24% (Variable), which is similar other credit cards we have reviewed. Since some business credit cards charge a small annual fee after waiving your first year’s fee, this credit card is less expensive than most others. In addition, the Ink Cash® Business Card Credit Card's cash back rewards program meets or exceeds our Market Standard for percentage point returns on all purchases.

In case you have any issues, Chase has 24/7 phone customer support. If you are looking for an inexpensive cash back rewards credit card, the Chase Ink Cash® Business Card Credit Card is a great option because of the very low annual fee.

Card Details

Credit Card Issuer

Chase

Credit Card Network

Multiple

Annual Fee

No Annual Fee

Intro APR

0%

Intro APR Period

12 months

Regular APR

13.24% Variable

Balance Transfers

Yes

Credit Needed

Excellent Credit

Fraud and Theft Protection

Yes

Main Rewards Type

Cash Back

Phone Customer Support

24/7


Chase Sapphire Preferred® Card

Sign up now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards®
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
Conclusion:

If you plan to use your credit card for travel, dining and restaurants, Chase's Sapphire Preferred Card is a great fit. You get 2:1 Chase Ultimate Rewards points for every dollar you spend on those categories and 1:1 on everything else. Ultimate Rewards points can be used with travel programs like Southwest Airlines Rapid Rewards, United Mileage Plus, Hyatt Gold Passport and Marriott Rewards, just to name a few. The card also provides a large number of Travel and Purchase protections that provide a great value.

Card Details

Credit Card Issuer

Chase

Credit Card Network

Multiple

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Intro APR

N/A

Intro APR Period

N/A

Regular APR

15.99% Variable

Balance Transfers

N/A

Credit Needed

Excellent Credit

Fraud and Theft Protection

Yes

Main Rewards Type

Travel Rewards

Phone Customer Support

24/7


Simmons Bank Visa® Platinum Rewards

Sign up now
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
Conclusion:

Simmons Visa Platinum Rewards card is the rare card that offers travel rewards but doesn't charge an annual fee. Holders of this card can use points earned through purchases to buy airline tickets (with no blackout dates) using their simmonsfirstrewards.com website or their toll free number. The prices look pretty reasonable (my searches typically turned up round trip tickets for 25,000 points).

Simmons website also allows cardholders to shop with points, purchase gift cards and even buy pre-designed "vacation" or "experience" packages.

Simmons rewards points don't seem to "transfer" into other rewards programs, so you can't combine them with points earned in other programs. However, if you want to start earning rewards without having to pay an annual fee, this card is definitely worth a look.

Card Details

Credit Card Issuer

Simmons Bank

Credit Card Network

Visa

Annual Fee

$0

Intro APR

N/A

Intro APR Period

N/A

Regular APR

9.25% (Variable)

Balance Transfers

N/A

Credit Needed

Excellent Credit

Fraud and Theft Protection

No

Main Rewards Type

Travel Rewards

Phone Customer Support

24/7


* See Corporate & Business Credit Card Applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Sign Up Now" button you will be directed to the Credit Card Application where you can review the credit card terms and conditions directly on the credit card issuer's website.