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  • Writer's pictureWilliam Mingione

The 4 Best Small Business Credit Cards of 2022: A Guide

Every small business owner knows that having a business credit card is essential to running your business smoothly. But with so many different cards out there, it can be hard to know which one is right for you.

To help you make the best choice for your small business, we've compiled a list of the five best small business credit cards of 2022. We've considered factors like rewards, interest rates, and fees to find the cards that will give you the most value.

Best Overall: Chase Ink Business Unlimited

If you're a small business owner, you know that every little bit of savings counts. That's why it's crucial to choose a business credit card that offers great rewards and perks - like the Chase Ink Business Unlimited credit card.

This card offers unlimited 1.5% cash back on every purchase, with no limit to the amount you can earn. Plus, there are no annual fees or foreign transaction fees. You can use it for all your business expenses — big and small.

But the Chase Ink Business Unlimited card isn't just an excellent choice for businesses who love to shop — it's also a great choice for business owners looking to save on their expenses. That's because this card also offers some great finance perks, like 0% APR on purchases and balance transfers for the first 12 months.

Best Cash Back: American Express Blue Business Cash Card

The American Express Blue Business Cash Card is one of the best cash-back cards for small businesses, offering 2% cash back on all purchases up to $50,000 per year. That means you could earn up to $1,000 cash back each year. Plus, there's no annual fee — you can keep more of your hard-earned money in your pocket!

There are no annual or foreign transaction fees, and you can get employee cards at no additional cost. You can even earn a bonus of $250 when you spend $5,000 in the first three months.

Best Travel Rewards: Blue Business® Plus Credit Card

The Blue Business® Plus Credit Card from American Express is one of the best travel rewards for small businesses on the market. With no annual fee and a low APR, it's an excellent option for business owners who want to earn rewards for their spending.

The Blue Business® Plus Credit Card offers 2x points on all purchases, with no limit to the number of points you can earn. You can redeem your points for travel expenses, gift cards, or statement credits.

There is also a sign-up bonus of 15,000 Membership Rewards® points after you spend $3,000 in the first three months. You can use these points in 21 airline and hotel partners, perfect if you're a frequent traveler.

Best for Building Credit: Capital One Spark 1% Classic

If you're a small business owner looking to build credit, you might wonder which credit card is best for you. There are many options, and the Capital One Spark Classic is an excellent option for you.

The Capital One Spark Classic offers a low APR and no annual fee. This makes it an excellent option for small businesses starting and needing to build up their credit. The card also offers a rewards program, which gives you 1% cash back on all purchases. This can be a great way to save money on your business expenses.

Aside from that, cardholders also get access to Capital One's Spark Business Credit Builder tool, which can help them build their business credit score.

Final Thoughts

These are the best credit cards for small business owners. However, a few things are in mind when choosing the best one for you. First, ensure the card offers rewards that fit your business spending habits. Second, consider the interest rate and annual fee. Finally, read the fine print to understand the terms and conditions.

For more free resources on the world of business, check out Best Companies. You can start with our free guide to the top businesses worth starting in 2023!

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