When it comes to running a successful business, having the right financial tools is crucial. One of the most important tools for any business owner is a good credit card. A business credit card company can help you manage expenses, earn rewards, and build your credit score. However, with so many different business credit card companies to choose from, it can be difficult to know where to start. In this article, we’ll take a closer look at the 10 best business credit cards companies in USA.
10 Best Business Credit Cards Company in USA
I. American Express Business Cards
American Express is one of the most well-known credit card companies in the world, and their business cards are no exception. With a variety of cards to choose from, American Express is a great choice for any business owner.
One of the biggest benefits of using an American Express business card is the rewards program. Depending on the card you choose, you can earn cash back, points, or miles for every dollar you spend. These rewards can be redeemed for a variety of different things, including travel, merchandise, and statement credits.
Another great feature of American Express business cards is the added protections and benefits that come with them. For example, some cards offer extended warranties on purchases, while others offer travel insurance and roadside assistance.
Some of the best American Express business cards to consider include the Business Platinum Card, the Business Gold Card, and the Blue Business Plus Credit Card. The Business Platinum Card is a high-end card that offers a wide range of benefits, including airport lounge access, a Global Entry or TSA PreCheck credit, and a 35% airline bonus when you use your Membership Rewards points to book a flight. The Business Gold Card is another great option, offering 4x points on select categories such as advertising, shipping, and travel. Finally, the Blue Business Plus Credit Card is a great choice for businesses that want a simple, no-frills credit card with no annual fee.
II. Chase Business Cards
Chase is another best business credit card company in USA that offers a range of business cards for different types of businesses. With flexible rewards programs and a wide range of benefits, Chase business cards are a great choice for many business owners.
One of the biggest advantages of using a Chase business card is the Chase Ultimate Rewards program. Depending on the card you choose, you can earn points that can be redeemed for cash back, travel, gift cards, and more. Plus, many Chase business cards offer bonus points for spending in certain categories, such as advertising, shipping, and travel.
In addition to rewards, Chase business cards also come with a variety of benefits, such as travel insurance, purchase protection, and extended warranties. Plus, some cards offer perks like airport lounge access and Global Entry or TSA PreCheck credits.
Some of the best Chase business cards to consider include the Ink Business Preferred Credit Card, the Ink Business Cash Credit Card, and the Ink Business Unlimited Credit Card. The Ink Business Preferred Credit Card is a high-end card that offers 3x points on select categories, as well as a generous sign-up bonus. The Ink Business Cash Credit Card is a great choice for businesses that spend a lot on office supplies, internet, cable, and phone services, as it offers 5% cash back in those categories. Finally, the Ink Business Unlimited Credit Card is a simple, no-frills card that offers 1.5% cash back on all purchases.
III. Capital One Business Cards
Capital One is another popular credit card company that offers a range of business cards for different types of businesses. With a focus on simplicity and flexibility, Capital One business cards are a great choice for businesses of all sizes.
One of the biggest advantages of using a Capital One business card is the rewards program. Depending on the card you choose, you can earn cash back or miles for every dollar you spend. Plus, many Capital One business cards offer bonus rewards for spending in certain categories, such as dining, travel, and office supplies.
In addition to rewards, Capital One business cards also come with a variety of benefits, such as purchase protection and extended warranties. Plus, some cards offer perks like airport lounge access and Global Entry or TSA PreCheck credits.
Some of the best Capital One business cards to consider include the Spark Cash Plus Credit Card, the Spark Miles Select Credit Card, and the Spark Classic Credit Card. The Spark Cash Plus Credit Card is a high-end card that offers 2% cash back on all purchases, as well as a generous sign-up bonus. The Spark Miles Select Credit Card is a great choice for businesses that travel frequently, as it offers 1.5x miles on all purchases. Finally, the Spark Classic Credit Card is a simple, no-frills card that offers 1% cash back on all purchases.
IV. Citi Business Cards
Citi is a global financial services company that offers a range of best business credit cards to suit different business needs. With a variety of rewards programs and benefits, Citi business cards are a great choice for many business owners.
One of the biggest benefits of using a Citi business card is the rewards program. Depending on the card you choose, you can earn cash back, points, or miles for every dollar you spend. Plus, many Citi business cards offer bonus rewards for spending in certain categories, such as gas stations and restaurants.
In addition to rewards, Citi business cards also come with a variety of benefits, such as travel insurance and purchase protection. Plus, some cards offer perks like airport lounge access and Global Entry or TSA PreCheck credits.
Some of the best Citi business cards to consider include the CitiBusiness AAdvantage Platinum Select Mastercard, the Costco Anywhere Visa Business Card by Citi, and the Citi Double Cash Card for Business. The CitiBusiness AAdvantage Platinum Select Mastercard is a great choice for businesses that travel frequently, as it offers miles for every dollar you spend on American Airlines purchases. The Costco Anywhere Visa Business Card by Citi is a good choice for businesses that shop at Costco, as it offers cash back on all purchases at Costco and other merchants. Finally, the Citi Double Cash Card for Business is a simple, no-frills card that offers 2% cash back on all purchases.
V. Bank of America Business Cards
Bank of America is one of the largest banks in the United States, and they offer a range of best business credit cards company in USA to suit different business needs. With a variety of rewards programs and benefits, Bank of America business cards are a great choice for many business owners.
One of the biggest advantages of using a Bank of America business card is the rewards program. Depending on the card you choose, you can earn cash back, points, or miles for every dollar you spend. Plus, many Bank of America business cards offer bonus rewards for spending in certain categories, such as gas stations and office supply stores.
In addition to rewards, Bank of America business cards also come with a variety of benefits, such as purchase protection and travel insurance. Plus, some cards offer perks like airport lounge access and Global Entry or TSA PreCheck credits.
Some of the best Bank of America business cards to consider include the Business Advantage Cash Rewards Mastercard, the Business Advantage Travel Rewards World Mastercard, and the Business Advantage Customized Cash Rewards Mastercard. The Business Advantage Cash Rewards Mastercard is a great choice for businesses that spend a lot on gas and office supplies, as it offers cash back in those categories. The Business Advantage Travel Rewards World Mastercard is a good choice for businesses that travel frequently, as it offers points that can be redeemed for travel. Finally, the Business Advantage Customized Cash Rewards Mastercard allows you to choose your own 3% cash back category from a list of six options, making it a flexible choice for businesses with varied spending.
VI. Wells Fargo
Wells Fargo is one of the largest banks in the United States, offering a wide range of financial services to individuals, businesses, and institutions. Here’s a brief description of Wells Fargo:
Wells Fargo is a diversified financial services company headquartered in San Francisco, California. It operates as a full-service bank, providing various banking products and services to customers across the country. The bank has a long history, dating back to 1852, and has grown to become one of the “Big Four” banks in the United States.
Wells Fargo offers a comprehensive suite of banking services, including personal banking, small business banking, commercial banking, wealth management, and investment banking. The bank provides checking and savings accounts, credit cards, mortgages, personal loans, auto loans, and investment services.
In addition to traditional banking services, Wells Fargo is known for its extensive network of branches and ATMs, making it easily accessible for customers across the country. The bank also offers online and mobile banking platforms, allowing customers to manage their accounts, make transactions, and access a range of financial tools and resources.
Wells Fargo has faced scrutiny and regulatory challenges in recent years due to controversies related to its sales practices and customer accounts. The bank has undertaken various initiatives to address these issues and enhance its customer-focused approach.
VII. U.S. Bank
U.S. Bank is one of the largest banks in the United States, offering a wide range of financial services to individuals, businesses, and institutions. Here’s a brief description of U.S. Bank:
U.S. Bank, headquartered in Minneapolis, Minnesota, is a diversified financial services company that operates as a full-service bank. With a history dating back to 1863, U.S. Bank has grown to become the fifth-largest commercial bank in the country.
U.S. Bank provides a comprehensive suite of banking products and services to meet the needs of its customers. These services include personal banking, small business banking, commercial banking, wealth management, and investment banking.
For personal banking, U.S. Bank offers checking and savings accounts, credit cards, mortgages, home equity loans, auto loans, personal loans, and various other financial solutions. The bank also provides online and mobile banking platforms to enable convenient account management and digital transactions.
U.S. Bank’s small business banking services cater to the needs of entrepreneurs and small business owners. It offers business checking and savings accounts, credit cards, business loans, merchant services, payroll solutions, and cash management tools.
VIII. Discover
Discover is a well-known financial services company that operates primarily in the United States. It offers a variety of banking products and services, including credit cards, personal loans, student loans, and banking accounts. Here’s a brief description of Discover:
Discover Financial Services, commonly known as Discover, is a direct banking and payment services company headquartered in Riverwoods, Illinois. Established in 1985, Discover is recognized for its credit card services and has since expanded its offerings to include other financial products.
Discover credit cards are a prominent aspect of the company’s offerings. These credit cards come with various features and benefits, including cash back rewards, travel rewards, low interest rates, and no annual fees. Discover is known for its customer-friendly policies and transparent approach to credit card services.
In addition to credit cards, Discover provides personal loans that can be used for various purposes, such as debt consolidation, home improvement, or major purchases. Discover personal loans offer fixed interest rates, flexible repayment terms, and quick online applications.
Discover is also involved in student loans, offering private student loans to undergraduate and graduate students. These loans provide competitive interest rates, flexible repayment options, and access to various resources to help students manage their loans effectively.
Furthermore, Discover operates an online banking platform that offers checking and savings accounts. These accounts come with features such as no monthly maintenance fees, access to a large network of ATMs, and mobile banking capabilities.
As a financial services company, Discover places emphasis on customer service, innovative technology, and user-friendly experiences. It aims to provide individuals with tools and resources to manage their finances effectively and make informed financial decisions.
IX. Capital One Spark
Capital One Spark is a line of business credit cards offered by Capital One, a major financial institution in the United States. The Capital One Spark cards are specifically designed to meet the needs of small businesses and provide various benefits and rewards. Here’s a brief description of the Capital One Spark credit cards:
Capital One Spark offers a range of business credit cards that cater to different types of businesses and their spending patterns. These cards come with features and benefits tailored to help business owners manage their expenses and maximize rewards.
The Spark business credit cards typically offer rewards in the form of cash back or travel rewards. They may provide higher cash back or rewards rates on specific spending categories, such as office supplies, dining, or travel-related expenses. Some Spark cards also come with a welcome bonus, where you can earn a substantial amount of rewards after meeting certain spending requirements within a specified time period.
Additionally, Capital One Spark cards often provide tools and features that simplify expense management and financial tracking for small businesses. This can include features like downloadable purchase records, spending limits on employee cards, and integrations with accounting software.
Furthermore, Capital One Spark cards usually do not charge foreign transaction fees, making them suitable for businesses that frequently conduct international transactions or travel overseas.
It’s important to note that the specific benefits, rewards, and terms associated with each Spark credit card may vary. Therefore, it’s recommended to review the details of each card carefully to choose the one that aligns with your business needs and spending habits.
X. PNC Bank
PNC Bank, also known as PNC Financial Services Group, is a major financial institution based in Pittsburgh, Pennsylvania. It provides a wide range of banking and financial services to individuals, businesses, and institutions. Here’s a brief description of PNC Bank:
PNC Bank operates as a full-service bank and offers a comprehensive suite of financial products and services to meet the needs of its customers. It has a significant presence in various markets across the United States and serves millions of customers.
PNC Bank’s personal banking services include checking and savings accounts, certificates of deposit (CDs), mortgages, home equity loans, personal loans, credit cards, and various types of investment accounts. The bank also provides online and mobile banking platforms for convenient account management and transactions.
For businesses, PNC Bank offers a range of services, including business checking and savings accounts, cash management solutions, merchant services, business loans, lines of credit, equipment financing, and treasury management services. PNC Bank caters to businesses of all sizes, from small and mid-sized enterprises to large corporations.
PNC Bank also provides wealth management and investment services through its subsidiary, PNC Wealth Management. This division offers services such as investment management, trust and estate planning, retirement planning, private banking, and financial advisory services for high-net-worth individuals and institutions.
Conclusion
There are many different best business credit cards company in USA, each with its own rewards programs, benefits, and perks. To choose the best business credit card for your business, you should consider your spending habits and the benefits that are most important to you. Whether you want to earn cash back, points, or miles, or you need perks like airport lounge access and Global Entry or TSA PreCheck credits, there is a best business credit cards company in USA that is right for your business.
Some of the best business credit card company in USA include American Express, Citi, Chase, Capital One, and Bank of America. Each of these companies offers a range of best business credit cards with different rewards programs and benefits, so it’s important to compare the options and choose the one that best fits your needs.
When choosing a best business credit cards company in USA, consider the rewards program and benefits offered, as well as any fees and interest rates associated with the card. Also, think about your business’s spending habits and whether you will be able to maximize the rewards offered by the card.
Overall, a best business credit card can be a valuable tool for managing your business finances and earning rewards on your spending. By choosing the best business credit cards company in USA, you can maximize your rewards and take advantage of valuable benefits that can help your business thrive.
