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You’d be surprised at what qualifies you for a small business credit card. Small businesses aren’t always multi-million dollar operations — whether you’re a freelancer, an Uber driver, a dog-walker, or have any other for-profit side hustle, you can open a small business credit card.

These are some of the very best small business credit cards available right now, as chosen by Insider’s experts.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best sign-up bonus offer: Chase Ink Business Preferred

If you’re looking to earn valuable, flexible rewards points on your small business spending, the Chase Ultimate Rewards program is among the best options. If you already have one of Chase’s popular personal rewards cards — like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® — the Ink Business Preferred® Credit Card is an ideal business card companion.

Like those cards, the Ink Business Preferred® Credit Card earns Ultimate Rewards points, and while you can keep them on that card and separate from the rest of your stash, you can also combine them with the rest of your points. These points can be traded for cash back, transferred to frequent flyer and hotel loyalty partners, or used to purchase travel with a 25% bonus (or a 50% bonus if you move your points over to your Chase Sapphire Reserve®). 

What the experts love: A great sign-up bonus, 3x points on up to $150,000 spent per year in select popular business categories.

What the experts don’t love: You have to spend $15,000 in the first three months to earn the 100,000-point welcome bonus offer, so this offer won’t be ideal for smaller businesses with less spending.

Read more about the Ink Business Preferred: 

Ink Business Preferred credit card review

Source:: Business Insider


14 best small business credit cards of June 2022: Earn cash back, travel points, or take advantage of a long 0% intro APR

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