Best Business Credit Cards Of 2018

Posted on October 24, 2018

 

Best business credit cards will make your life easier with rewards, bonuses, and other incentives. When you’re an entrepreneur, the most important thing is to keep your credit card for business and personal credit card separate. If you’re a sole proprietor, keep yourself aware of the fact if you keep “Single” credit card for personal and business use, things can get blurred. It will save your credit profile and assets. Every type of businesses is entitled to have best business credit cards, freelancer, reseller on eBay, etc. In case you’re a corporate business, however, or seek to develop into one, with representatives and more assets, having a business card is an absolute necessity — not exclusively to isolate costs, yet to build up business credit, so you have adaptability later on with loans and rents. Also, you can get extra approved cards for workers as required. Businesses at some point, need access to loans and credits and these best business credit cards can give the best possible access.

 

Before Applying For Best Business Credit Cards:

 


Before you apply for a business credit card, know about how it can affect your credit score, How to improve credit score, How many credit bureaus do credit card companies pull, Tips for using a credit card for business, How to apply for business credit, Etc.

 

1. Our Top Tips For Using Your Credit Card For Business

 

2. What is the advantage of getting a business credit card instead of a personal credit card?

 

3. How many credit bureaus do credit card companies pull from during the application process?

 

4. Things To Consider When Applying For Credit Cards

 

#5. How to Apply for Business Credit?

 

After having full information before applying for a credit card, do check the financial position of your business credit score from “Free analysis” of Corporate Cash Credit.” They will help you remove negative items from your credit report, and it’ll increase your score.


Now, let’s dive into the list of best credit cards for business with their detailed rewards and bonuses.

 

List of Best Business Credit Cards of 2018:

 

 

Best Business Credit Cards For Airlines Of 2018:

If you need to travel for work-related meetings and deals more frequently, it is the best option to get an airline business credit card. From that you’ll get several advantages like,free bag checks, early boarding, etc.

There are many airlines best business credit cards and each one of it contains different rewards and bonuses.

 

Gold Delta SkyMiles® Business Credit Card from American Express:

With Gold Delta SkyMiles Business Credit Card from American Express, you can earn 30,000 SkyMiles after spending $1,000 on the purchases in first three months.

Earn Miles:

As a consumer from the Delta SkyMiles® Program, you can utilize miles towards flights, situate redesigns, auto rentals, stock, gift vouchers, and more. Miles don’t terminate, and there are no restrictions on how many you can gain.

>  2 Miles (On each qualified dollar spent on buys made straightforwardly with Delta.

>  1 Mile (On each qualified dollar spent on other purchases.)

Extra Perks:

>  On your next Delta flight, when you use the card then you’ll get 20% In-Flight savings.

>  On a round-trip flight, you can get your luggage check first for free and save up to $50.

>  With a membership card, you can board your flight in zone-1 priority boarding.

>  There will be no foreign transaction fee.

>  You’ll have travel accident insurance, baggage insurance plan, and car rental loss and damage insurance, etc.

This best business credit card can be worth it if you’re looking for free extra miles, and it gives you elite class status because of the perks they are offering. The annual fee waived first year is $95.

 

 Platinum Delta SkyMiles Business Credit Card from American Express:

With Platinum Delta SkyMiles Business Credit Card from American Express, you can earn 50,000 SkyMiles and 10,000 MQMs after spending $3,000 on the purchases in the first three months.

A $100 articulation credit after you make a Delta purchase with your new Card inside your initial 3 months. In addition, get a 0% early on APR for a half year on buys. After the early on a half year time frame, the APR for purchases will be variable at 17.74%-26.74% in view of your credit value and different elements at record opening, and this APR will shift with the market in light of the Prime Rate.

Earn Miles:

 

As a consumer from the Delta SkyMiles® Program, you can utilize miles towards flights, situate redesigns, auto rentals, stock, gift vouchers, and more. Miles don’t terminate, and there are no restrictions on how many you can gain.

>  2 Miles (On each qualified dollar spent on buys made straightforwardly with Delta.

>  1 Mile (On each qualified dollar spent on other purchases.)

Extra Perks:

Get a Domestic Main Cabin round-trip companion certificate on every endless renewal of your Credit Card

On the purchases of $25000, earn 10,000 bonus miles.

>  Get your bag checked first.

>  There will be no foreign transaction fee.

This is one of the best business credit card, whose annual fee is $195, which is higher than Gold Delta SkyMiles Business Credit Card From American Express, with additional benefits.

CitiBusiness Advantage Platinum Select World MasterCard:

This is airline’s best business credit card. With CitiBusiness AAdvantage Platinum Select World MasterCard you can earn 70,000 American Airline Bonus Miles after spending $4,000 on the purchases in the first four months.

As long as you haven’t had any CitiBusiness or AAdvantage card opened or closed in the last 24 months, then you’re eligible for the bonus.

Earn Miles:

>  You’ll acquire two miles for every dollar spent on business classes.

>  Two focuses per dollar on qualified American Airlines buys.

>  One point for each dollar on everything else.

Add a worker business card to acquire extra miles. There’s no cap on the awards you can gain. Your focuses won’t lapse as long as you earn or utilize rewards at least once every 18 months.

Extra Perks:

>  When you spend $30,000 or more each year, you’ll get an American Airline Companion Certificate.

>  You’ll save 25% on your In-Flight purchases, with the use of CitiBusiness AAdvantage Platinum World MasterCard.

>  Free bag check on domestic American Airlines Flight.

The annual fee is waived for the first 12 months, which is $99 and the purchase APR is 17.49 to 25.49 percent based on the credit history (you can get “Free analysis” of your credit score from Corporate Cash Credit).

United MileagePlus Explorer Business Card:

With United MileagePlus Explorer Business Card you can earn 5,000 Bonus Miles after spending $3,000 on the purchases in the first three months. The current bonus value of this airline card is $700.

As long as you haven’t had any United MileagePlus Explorer Business Card opened or closed or haven’t received new Cardmember bonus in the last 24 months, then you’re eligible for the bonus.

Earn Miles:

>  Get 10,000 extra miles after you spent $25,000 on purchases on your Card each logbook year.

>  Win 2 miles for every $1 spent on carrier tickets acquired from United and on purchases at eateries, gas station, and office supply stores.

>  Win 1 mile for every $1 spent on every other purchase.

>  Miles don’t lapse/expire as long as your credit card account stays open. In addition, there is no restriction to the quantity of miles you can acquire.

Extra Perks:

>  The United card is offering a sign-up bonus (50,000 miles vs. standard 30,000 miles.

>  You get access to extra united award seat availability, you’ll be able to book your seats.

>  when you spend $25,000 on the card  you have the ability to waive the Premier-Qualifying Dollar requirement for United elite status

The annual fee waived for the first 12 months is $95.

The Business Platinum® Card from American Express OPEN:

With The Business Platinum® Card from American Express OPEN you can earn 50,000 Points after spending $10,000 on the purchases in the first three months. You can also earn extra $25000 points after spending an additional $10,000 on the purchases in the first three months.

Extra Perks:

 >  Gain 5 points per dollar on airfare and on prepaid lodgings booked through American Express Travel

>  Gain 1.5 points per dollar on buys of $5,000 or more (up to 1 million additional focuses every year)

>  1 point for each dollar on everything else.

>  Recover points straightforwardly for first or business class, or for any seat on your preferred carrier, and get a 35% points refund.

>  As a cardholder you’ll appreciate access to Centurion and Priority Pass lounges, in addition to Delta Sky Clubs when you’re flying Delta.

You additionally get a $200 yearly carrier expense credit and a Global Entry or TSA PreCheck application refund.

:: Compare Airline Best Business Credit Cards:

Here’s how each of these airline business credit cards differentiates from each other,

Credit CardBonus OfferBonus ValueAnnual FeeTotal Value
Gold Delta SkyMiles® Business Credit Card Gold Delta SkyMiles® Business Credit Card from American Expressfrom American Express30,000 SkyMiles after spending $1,000 on the purchases in first three months.$360 $95 $360
Platinum Delta SkyMiles Business Credit Card from American Express
50,000 SkyMiles and 10,000 MQMs after spending $3,000 on the purchases in the first three months.$600 $195$405
CitiBusiness AAdvantage Platinum Select World MasterCard
70,000 American Airline Bonus Miles after spending $4,000 on the purchases in the first four months$859$99$751
United MileagePlus Explorer Business Card
5,000 Bonus Miles after spending $3,000 on the purchases in the first three months$700$95$700
The Business Platinum® Card from American Express OPEN
50,000 Points after spending $10,000 on the purchases in the first three months$950$450$950

Other Best Business Credit Cards of 2018:

Chase Ink Business Preferred Credit Card offers the best sign-up bonus of $1600 and you can earn 80,000 Bonus Points after spending $5,000 on the purchases in the first three months.

Extra Perks:

>  You’ll acquire three points per dollar on the principal $150,000 spending in certain business classifications every year.

>  Classifications incorporate travel, shipping, Internet, link, telephone, and in addition web-based social networking/web crawler publicizing buys. Every single other buy wins a boundless one point for every dollar.

>  Points are worth 25 percent progressively when you recover them for airfare, inns, auto rentals and travels through Chase Ultimate Rewards.

>  No Foreign transaction fee.

Why is this the best business credit card?

This card emerges for its unique Mobile Phone Insurance Benefit. It presents to $600 in security against secured burglary/theft or harm, for up to three cases for every year with only a $100 deductible. Shockingly better, this covers employees mobile phones as well, however recall that you have to pay the individual bills utilizing this card to get inclusion. Essential rental auto insurance is another incredible perk also.

Starwood Preferred Guest Business Credit Card:

With Starwood Preferred Guest Business Credit Card you can earn 10,000 Bonus Points after spending $5,000 on the purchases in the first three months. Its current bonus value is $900 and it is the best business credit card for Hotels. The annual fee is $0 for first year, then it is $95.

Extra Perks:

>  On every dollar you spend on purchases at participating SPG hotels, you’ll earn up to 6 Standpoints.

>  By participating in Marriot Rewards Hotel, you’ll get 4 Standpoints on purchases.

>  On everything else two standpoints per dollar.

>  Free in-room premium web get to; complimentary.

>  Unlimited Wi-Fi on up to four gadgets.

>  Complimentary access to the Sheraton Club Lounge.

>  Credit for five evenings and two remains toward elite status every year.

While you have the alternative to convey a balance on your Mastercard and pay interest, it’s best to pay required funds every month to evade the interest and get the full advantage of your prizes.

Capital One Spark Cash for Business:

With Capital One Spark Cash for Business you can earn $500 Bonus Points after spending $4500 on the purchases in the first three months. Its current bonus value is $500. The annual fee is $95 for first year.

Extra Perks:

>  You have the opportunity to earn hundreds of dollars,  in rewards each year if you spend a lot on your business.

>  You can redeem your rewards in any amount and on any time.

>  If your employees make purchases on business behalf, employee cards at no additional cost can be added on all their purchases.

Card incorporates zero fraud risk. So you’re not in charge of fake or unapproved purchases made for you.

Why is this the best business credit card?

This is one of the best business credit card because its standout benefit is to acquire an Unlimited 2% Cash Back on all purchases.

As an extra advantage, you’ll get a quarterly ordered report of your spending to help with arranging, planning and assessments. Magnificent credit is required.

::Compare Other Best Business Credit Cards:

Here’s how each of these business credit cards differentiates from each other,

Credit Card
Bonus OfferBonus ValueAnnual FeeTotal Value
Chase Ink Business Preferred Credit Card
Earn 10,000 Bonus Points after spending $5,000 on the purchases in the first three months$1600
$95
$1600
Starwood Preferred Guest Business Credit Card
Earn 10,000 Bonus Points after spending $5,000 on the purchases in the first three months.
$900$95

$900
Capital One Spark Cash for BusinessEarn $500 Bonus Points after spending $4500 on the purchases in the first three months.
$500

$95$500

Conclusion:

First of all, check your business credit record if its maintained or not, remove all the credit inquiries and then apply for one of the best business credit cards of 2018 from the above list i’ve mentioned in details with perks, bonus value, annual fee, and total value, etc.

Note: You can get free analysis of your business Credit Report from FastUnsecured, it will also include three credit bureaus monitoring.

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