The Best Small Business Credit Cards of 2017

[Advertiser Disclosure]

Small Business Credit Cards have always been a great way for start-up businesses to obtain the capital they need to open the doors of their dreams. When the economy took a tumble in 2008, some of the first products to be removed from the market were these very same small business credit cards that had helped so many for so long.

Advanta was the most well known small business credit card provider and not only did they stop allowing new customers access to credit cards but they close their doors entirely because their debt was just too much. Today, there are still a handful of issuers looking to lend a hand to small businesses and while the offers are not as lucrative as they once were, small business credit cards are a great start for any new business.

Featured Small Business Credit Card


JetBlue Card





Current Offer: Earn 30,000 Bonus Points after spending $1,000 on purchases in the first 90 days.

What This Bonus Could Do for Me: Jet Blue's TrueBlue Frequent Flier program is similar to what you'll find at Southwest Airlines. Points can be used at a fixed rate towards airfare prices -- which means the cheaper the flight cost, the fewer points required. Jet blue has an extensive route from the Northeast to the Caribbean. A great example of how to use this bonus would be to fly from New York’s JKF Airport to Aruba, which prices out as low as 13,400 Trueblue points roundtrip! With these 30,000 points why not surprise your boo with a weekend to remember?

What Additional Perks Would I Get? Legal business name embossed on cards, additional employee cards at no extra cost. Set controls on employee cards for credit lines, single purchase limits, or cash.


$95
Annual Fee


The Business Gold Rewards Card





Current Offer: Earn 50,000 Membership Rewards Points after you spend $5,000 in purchases on the card within your first 3 months of card membership.

What This Bonus Could Do for Me: American Express Membership Reward Points can be transferred to an assortment of different frequent flier programs to really maximize their value. There is a huge benefit to going out of your comfort zone and using programs that you may be less familiar with. It will allow you to get a better return for your investment. Take Japanese carrier ANA. It is one of these hidden gems because they use a distance based award chart as opposed to a regional based chart. These 50,000 Membership Rewards points would be more than enough for a round trip flight on Japan's largest carrier from North America to Tokyo!

What Additional Perks Would I Get? You’ll get 3X points on airfare purchased directly from airlines, purchases for advertising in select media, purchases at gas stations, purchases for shipping, computer hardware, software, or cloud computing purchases made directly from select providers.

$175
Annual Fee (Fee waived for the first year)


Ink Business Preferred





Current Offer: 80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening.

What This Bonus Could Do for Me: With this 1 card you will be able to put another shrimp on the Barbie. Transfer your 80,000-reward point bonus to United where a round trip ticket from anywhere in mainland US and Australia will cost you just that: 80,000 miles! Tell Crocodile Dundee I said, "Sup..."

What Additional Perks Would I Get? Earn triple points on the first $150,000 spent on travel, telecommunications, shipping and advertising on social-media and search engines. You’ll also get protection for your cell phone if you buy it using the card.

$95
Annual Fee





Current Offer: Earn 50,000 American Airlines AAdvantage bonus miles after spending $3,000 in purchases within the first 3 months of account opening.

What This Bonus Could Do for Me: You could take advantage of American Airlines MileSAAver off peak dates by using them to get to Europe from anywhere in the United States for only 45,000 miles! That leaves you 5,000 to put toward your next adventure. The key is that you must travel in 2017 between January 10 - March 14 or between November 1 - Dec 14 to get this awesome deal. These dates include the Thanksgiving holiday, and that is a great opportunity to fly while the kiddos are out of school! How does tapas in Barcelona sound for Turkey day?!

What Additional Perks Would I Get? First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation, preferred boarding on American Airlines domestic flights, earn an American Airlines Companion Certificate each year of card membership in which you spend $30,000.

$95
Annual Fee (Fee waived for the first year)



Cash Rewards for Business MasterCard®



Current Offer: $200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening.

What This Bonus Could Do for Me: Between purchases like travel, telecommunications, shipping and computer hardware, business owners will spend $500 in the blink of an eye! So take that easy $200 and use it to reward yourself on your next trip. Ziplining, horseback riding, a swim with the dolphins or even a couple’s massage. The choice is yours!

What Additional Perks Would I Get? Earn 2 rewards points per $1 spent at gas stations, restaurants and office supply stores, earn 1 reward point per $1 on all other purchases. Redeem points for gift cards, cash, and travel with no blackout dates. 0% introductory APR.

No
Annual Fee

Card Finder

Get 31 Tips to Improve Your Financial Life

Subscribe for free. Get my book (31 Days to Improve Your Financial Life), intro series, and monthly digest.

Powered by ConvertKit
Last Edited: April 21, 2017 @ 9:57 pmThe content of ptmoney.com is for general information purposes only and does not constitute professional advice. Visitors to ptmoney.com should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!