Business credit cards can be your ally if you are a small business owner. Not only do you get a line of credit to meet your business expenses without putting up any collateral, many business credit cards offer a rewards program whereby you can earn cash back or rewards points on your spending.

This year, I have noticed that some cards are also offering 0% introductory APR on purchases, which lets you make large purchases with your card without having to pay any interest during the first few months - a bonus to your cash flow.

Another benefit to small business credit cards is that many of them let you get free additional cards (each with adjustable limits) for your trusted employees. This way, you can delegate business spending, and also save your staff from the hassle of claim forms.

To help you decide which business credit card to get, we at GET.com have read the fine print and rated these cards based on their features, fees and interest rates. Here are our 17 top rated business card offers that are currently available in the US:

Our 9 Best Rated Rewards Cards For Small Businesses

Ink Cash® Business Credit Card
Ink Plus® Business Credit Card
SimplyCash® Business Card from American Express, a GET.com advertiser
Capital One® Spark® Cash for Business
Capital One® Spark® Cash Select for Business
The Business Platinum Card® from American Express OPEN, a GET.com advertiser
The Business Gold Rewards Card from American Express OPEN, a GET.com advertiser
The Blue for Business® Credit Card from American Express, a GET.com advertiser
U.S. Bank Business Edge™ Select Rewards

4.70/Stars

Ink Cash® Business Credit Card. This card, issued by JPMorgan Chase, is our top rated business credit card for cash rebates. Each account anniversary year, for the first $25,000 you spend on office supplies, telecom services and cable services you will earn 5% cash back. For the first $25,000 you spend on dining and gas each card account anniversary year you’ll earn 2% cash back, and you earn unlimited 1% cash back on all other purchases made with this card. Enjoy 0% intro APR on purchases and balance transfers for 12 months (13.24% variable APR thereafter). Earn $200 bonus cash back after spending $3,000 during the first 3 months from account opening. No annual fee.

Read our review of Ink Cash® Business Credit Card here.

4.80/Stars

Ink Plus® Business Credit Card lets you earn 50,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of account opening. You earn 5 points per $1 in purchases for internet and phone services (mobile and fixed), as well as office supply stores and cable TV. You earn these 5 points per $1 on the first $50,000 of purchases made in these categories each card anniversary year. You earn 2 points per $1 for up to $50,000 of purchases from gas stations and hotel accommodations (when booked directly from hotel) each card anniversary year. Transfer points to most frequent flyer programs at the rate of 1:1. Benefits include primary auto rental collision damage waiver and trip cancellation/interruption insurance when you pay for your car rental or trip with this card. There is a $0 intro annual fee for the first year, then $95.

Read our review of Ink Plus® Business Credit Card here.

4.60/Stars

SimplyCash® Business Card from American Express, a GET.com advertiser. This card has a limited time offer (for applications received by September 21, 2015) that lets you earn a one-time $250 statement credit after spending $5,000 on qualifying purchases with your Card within the first 6 months of Card Membership. Earn 5% cash back on purchases made at US office supply stores and on wireless telephone services that you purchase directly from US service providers. Earn 3% cash back on the category that you choose from a list of select categories. These 5% and 3% categories are capped at $25,000 spent per rebate year on purchases (earn 1% cash back after the cap). Earn 1% cash back on your other purchases. Benefit from 0% intro APR on purchases for 9 months, after that there is a 12.24% - 19.24% variable APR based on your creditworthiness. This card has no annual membership fee. Terms & limitations apply.

Read our review of SimplyCash® Business Card from American Express here.

4.60/Stars

Capital One® Spark® Cash for Business. This business credit card rewards you with a one-time $500 cash bonus when you make $4,500 of purchases within the first 3 months. For every purchase you make, you'll receive 2% cash back. The cash back you earn doesn't expire, and you can earn unlimited cash back. $0 intro annual fee for the first year, $59 after that.

Read our review of Capital One® Spark® Cash for Business here.

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4.30/Stars

Capital One® Spark® Cash Select for Business. This business cash back credit card offers a one-time $200 bonus if you spend $3,000 on purchases within the first 3 months of card membership. This card also lets you earn 1.5% cash back on all your purchases! Your cash back doesn’t expire and there is no limit on the cash rewards you can earn. Redeem your cash back anytime. There is a 0% intro APR on purchases until January 2016 (12.9% - 20.9% variable APR APR thereafter). All additional employee credit cards have no annual fee. No annual fee.

Read our review of Capital One® Spark® Cash Select for Business here.

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4.40/Stars

The Business Platinum Card® from American Express OPEN, a GET.com advertiser. This charge card has a welcome offer that lets users earn 40,000 Membership Rewards® points after spending $5,000 on purchases with this Card within the first 3 months of Card Membership. This premium card offers complimentary access to more than 700 airport lounges all around the world and gives users access to over 40 benefits. Earn 1 point per dollar spent on eligible purchases and points do not expire. Receive a 30% Airline Bonus when you pay for some or all of a flight with your selected qualifying airline through American Express Travel. Another interesting perk is complimentary, unlimited Boingo Wi-Fi at over 1,000,000 Boingo hotspots around the globe plus 10 Gogo inflight internet passes annually when you enroll your card with Gogo. $450 annual fee. Terms & Restrictions Apply.

Find out more in our detailed review of The Business Platinum Card® from American Express OPEN.

4.30/Stars

The Business Gold Rewards Card from American Express OPEN This business charge card from American Express, a GET.com advertiser lets you earn 25,000 Membership Rewards® points after spending $5,000 in purchases on your Card within the first 3 months of Card Membership. Earn 3 points on one category of your choosing (of 5 to choose from) and 2 points on the remaining 4 categories. Each of these categories is capped at $100,000 per year. Earn 1 point on other eligible purchases. There is a $0 introductory annual fee for the first year, then $175. No foreign transaction fees. Terms & limitations apply.

Read our detailed review of The Business Gold Rewards Card from American Express OPEN here.

4.10/Stars

The Blue for Business® Credit Card from American Express, a GET.com advertiser. This rewards credit card for businesses lets you get 10,000 Membership Rewards® points after making your first purchase on the Card within the first 3 months of Card Membership. These points are valued at up to $100 in gift cards at select merchants. Earn a 30% annual Relationship Bonus on eligible purchases each anniversary year. Earn 1 point per $1 spent on eligible purchases. Earn an additional point per $1 spent on eligible purchases when booking your travel with American Express Travel. This card has a 0.0% introductory APR for 9 months on purchases, 11.24% - 19.24% variable APR on purchases thereafter. $0 annual fee and no annual fee for each additional Employee Blue for Business® Credit Card. Terms and Restrictions Apply.

Find out more in our review of The Blue for Business® Credit Card from American Express here.

3.80/Stars

U.S. Bank Business Edge™ Cash Rewards Card lets you earn 3% cash back on gas purchases, cellular services, and office supply store net purchases. Earn 1% cash back on your other purchases. Earn unlimited rewards that don't expire. Each account anniversary year you will get a 25% Annual Rewards bonus (up to $250) - equal to 25% of the cash back you earned that year. Benefit from 0% introductory APR on qualifying purchases for the first 9 billing cycles with a 11.99% - 17.99% variable APR after the promotional period. $0 annual fee as long as you make at least one purchase per year.

Find out more in our review of U.S. Bank Business Edge™ Cash Rewards Card here.

4.10/Stars

U.S. Bank Business Edge™ Select Rewards lets you earn 10,000 bonus points after spending $500 in net purchases within the first 90 days after account opening. Earn 3 points per $1 spent in net purchases in the category of your choice from the following categories: automobile, travel and entertainment or day-to-day expenses. You will earn 1 point per $1 on your other net purchases. You can earn unlimited points with no caps. There is a 0% intro APR on purchases for 9 billing cycles. After the intro period there is a 11.99% - 17.99% variable APR on purchases, based on your creditworthiness. This card has no annual fee.

Find out more in our review of U.S. Bank Business Edge™ Select Rewards.

Our 9 Best Rated Travel Cards For Small Businesses

Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser
Starwood Preferred Guest® Business Credit Card from American Express, a GET.com advertiser
Capital One® Spark® Miles for Business
Capital One® Spark® Miles Select for Business
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Business Green Rewards Card from American Express OPEN, a GET.com advertiser
The Plum Card® from American Express OPEN, a GET.com advertiser
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card
Citizens Bank Everyday Points® Business MasterCard®

4.50/Stars

Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, lets you earn 30,000 bonus miles after spending $1,000 in purchases with your new Card within the first 3 months of Card Membership. You can also earn a $50 statement credit after making a Delta purchase with your new Card within this same 3-month period. Earn two miles per dollar spent on purchases made directly with Delta. Earn one mile for every eligible dollar spent on purchases. Benefit from other travel perks including complimentary first checked bag on flights, priority boarding and 20% in-flight savings (in the form of statement credit) on your eligible purchases. This card has no foreign transaction fees which can help you save when traveling abroad. The annual fee will be $0 for your first year of Card Membership, then $95. Terms and limitations apply.

Read our Gold Delta SkyMiles® Business Credit Card from American Express review here.

4.00/Stars

Starwood Preferred Guest® Business Credit Card from American Express, a GET.com advertiser. Earn up to 25,000 Starpoints® bonus, here’s how: earn 10,000 Starpoints® after making your first purchase with this Card and another 15,000 after spending $5,000 in purchases with this Card within the first 6 months of Card Membership. Earn 2 Starpoints® for each $1 spent on eligible purchases that are charged directly to hotels and resorts that are participating in the SPG® program. Earn 1 Starpoint® for each $1 spent on all other eligible purchases. Enjoy a $0 introductory annual fee for the first year, then $65. Terms and limitations apply.

Read our review of Starwood Preferred Guest® Business Credit Card from American Express here.

4.50/Stars

Capital One® Spark® Miles for Business. This business card rewards you with a one-time bonus of 50,000 miles when you spend $4,500 on purchases within the first 3 months. With this card, you will also earn 2 miles for every dollar you spend on all your purchases. Earn unlimited miles that don't expire. Miles can be redeemed for travel purchases as well as cash back, gift cards, merchandise and more. Miles can be redeemed for flights on any airline, with no blackout dates. No foreign transaction fee. $0 intro annual fee for the first year, $59 after that.

Read our review of Capital One® Spark® Miles for Business here.

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4.20/Stars

Capital One® Spark® Miles Select for Business. This business card rewards you with 1.5 miles for every dollar you spend on purchases with your card, as well as a one-time bonus of 20,000 miles when you spend $3,000 on purchases in the first 3 months. With this card, you will also enjoy 0% intro APR on purchases until January 2016, after that there is a 12.9% - 20.9% variable APR. The miles you earn can be redeemed for air travel, cash, gift cards, merchandise, and more. Every year you'll receive an itemized report on your spending at no additional cost. No annual fee.

Read our review of Capital One® Spark® Miles Select for Business here.

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4.30/Stars

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®. This business card is especially designed for businesses with an established credit history. It lets you earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of opening your account. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines and US Airways purchases. You will also earn 2 AAdvantage® miles per $1 spent on purchases at select car rental, telecommunications and office supply merchants. Earn 1 AAdvantage® mile per $1 spent on your other purchases. Travel perks include boarding privileges with Group 1 on American Airlines flights and Zone 2 on US Airways operated flights, first checked bag for free on domestic American Airlines and US Airways flights for you and up to 4 traveling companions whose tickets have been purchased with this card and are on the same reservation. Save 25% on in-flight food and beverage purchases when using this card on American Airlines and US Airways flights. The $95 annual fee is waived for the first 12 months.

Read our review of CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® here.

3.50/Stars

Business Green Rewards Card from American Express OPEN, a GET.com advertiser, is a business charge card that lets you earn 5,000 Membership Rewards® points after your first purchase with this Card. When you book on the American Express Travel website you can earn double Membership Rewards® points for each dollar of eligible purchases. You will earn 1 Membership Rewards® point for every dollar you spend on other eligible purchases. You can redeem your points toward merchandise, gift cards, entertainment, and more. There is a $0 introductory annual fee for the first year, then $95. Terms and limitations apply.

Read our review of Business Green Rewards Card from American Express OPEN.

3.50/Stars

The Plum Card® from American Express OPEN, a GET.com advertiser, is a charge card that gives you flexibility when making your monthly payments. With this card you can enjoy up to 60 days to make your payments without interest, or you can get a 1.5% discount for paying early - or both each month. As a limited time offer, you can also earn up to 3.5% back on your first $30,000 in purchases made with this card within the first 3 months of card membership. This time-limited offer ends on August 24, 2015. No foreign transaction fees. Pay no annual membership fee for your first year, then pay $250 annually. No annual fee for employee cards. Terms and restrictions apply.

Read our review of The Plum Card® from American Express OPEN.

3.50/Stars

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card lets you earn 20,000 bonus FlexPoints after spending $3,500 in net purchases in the first 4 months of card membership. Earn 3 FlexPoints per $1 on qualifying charity donations, 2 FlexPoints per $1 on the category you spend the most on (office supplies, gas or airline purchases) as well as on most cell phone purchases per billing cycle. Earn 1 FlexPoint per $1 spent on eligible net purchases. Benefit from an airline allowance of up to $25 with each award travel ticket. This allowance can be used toward in-flight food and beverage purchases or baggage fees. There is a $0 annual fee for the first year, then $55 annual fee after that (unless you spend over $24,000 each year in net purchases).

Find out more in our review of U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card.

Citizens Bank Everyday Points® Business MasterCard®. Although it may not be as well known or as highly promoted as some other business credit cards, this rewards card provides some interesting benefits like 24/7 online account management, $0 liability for unauthorized purchases and Travel Assistant services. Signing up for the MasterCard Easy Savings program lets you get up to 20% rebates automatically when you make purchases at participating stores (including DHL, Fuelman and AVIS). You can also sign your employee cards up so they earn these rebates as well. You also get rental car insurance coverage. You earn 3,500 bonus points the first time you use your card to make a purchase, and 2 points for every $1 spent on business purchases. Points can be redeemed for cash back, office equipment, travel and more. The accessCARD Command feature puts you in control of your credit, employee card limits, business expenses and purchases. Although other cards offer higher rewards or more features, if you are a small business owner and are looking for an alternative to the more popular cards, this no-annual-fee card may be all you need.

Business Credit Card Tips

If you own a small business, we recommend that you carry more than one business credit card so as to maximize the potential of each one for the overall benefit of the business. For example, you can consider having one card with 0% APR offer or a low interest rate for carrying balances, and a second card for expenditures that you will repay fully at the end of each month.

This strategy allows you to make full use of the cash back or rewards features of your small business credit card, and you can earn up to 5% cash rebates on business-related spending, such as office supplies or gas.

Over the long-term, business credit cards can help your small business build a credit history with business credit bureaus so that your business will have a credit history of its own, instead of being linked to your personal credit history.

Click here to see our full selection of Business Credit Cards.

What Is A Business Credit Card?

A business payment card is a card that you use for your business rather than your personal finances. If you use a business credit card for all your business spending, you will benefit from accurate accounts of business spending in the form of card statements. That makes it much easier to keep your accounts.

Today business credit cards and charge cards offer most of the same benefits that you get with your personal credit cards. Plus, many business cards also offer special tools and services that can save your business time and money.

For example, some business cards provide employee cards at no additional cost. Some also provide custom, itemized reports of your spending (a big plus at tax time), and let you securely download your purchase records into multiple formats (like Quicken®, QuickBooksTM and Excel®), which makes accounting a whole lot easier.

Here is a list of some of the different types of business credit cards you can get:

Cash Back Credit Cards For Businesses

Using a business credit card that lets you earn cash back on purchases is an uncomplicated way to save on business expenses. When you make a purchase using a card like this, you earn cash back (normally a certain percentage of each purchase).

Depending on which card you use, you can redeem your cash back as cash checks, statement credits, deposits into a bank account, or even for gift cards, merchandise or travel.

Rewarding examples of cash back credit cards for businesses include Ink Cash® Business Credit Card, and SimplyCash® Business Card from American Express, a GET.com advertiser.

Rewards Credit Cards For Businesses

Earning points that you can redeem through a rewards program could be a good fit for your business, if a particular rewards program includes offers that can help you save on business expenses.

Most good rewards programs offer a lot of flexibility in the way you can earn and redeem points. In some cases the merchandise or services that you can redeem points for may offer better value than what you would get if you paid for those things in cash.

Business rewards cards like Ink Plus® Business Credit Card (uses the Chase Ultimate Rewards® program) and The Business Gold Rewards Card from American Express OPEN, a GET.com advertiser, come with extensive rewards programs that can help you get better value for the rewards you earn.

Miles Credit Cards For Businesses

If you or your employees travel a lot on business, then a miles credit card could save you money. You earn miles or similar travel rewards when you make purchases, and you can then redeem these miles towards travel.

Some miles cards like Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, and CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® let you earn actual frequent flyer miles that you can redeem directly through your frequent flyer program.

Other miles cards like Capital One® Spark® Miles Select for Business give you miles that translate into a certain amount of cash value that can be redeemed towards travel purchases.

Hotel Credit Cards For Businesses

These cards can be a real saver if you take a lot of business trips and stay at hotels. Many large hotel groups have their own hotel credit cards for businesses. These let you earn rewards on purchases which you can then redeem for hotel accommodation.

Starwood Preferred Guest® Business Credit Card from American Express, a GET.com advertiser, is an example of a business credit card that lets you earn hotel rewards. Cards like this usually give you special privileges when you stay at their corresponding hotels.

How We Rate Credit Cards And Charge Cards For Businesses

At GET.com, we conduct rigorous research into the terms and conditions behind each card benefit. With our business credit card/charge card ratings, we strive to present an accurate gauge of a card's benefits in relation to its fees.

We also take into account the overall flexibility of card benefits and their appeal to a broad range of card users. For example, a hotel or airline card may provide excellent benefits for customers of a certain hotel group or airline, but may not have many benefits for non-customers.

Charges that we take into account are the annual fee, foreign transaction fees, cash advance fees, late payment fees and over-limit fees, purchase and balance transfer APR, penalty APR and ATM charges. The scope of the payments network and the issuer's ATM network is also taken into account.

Benefits we look for include bonus offers, how rewards are earned and redeemed, introductory APR periods, travel privileges, accounting tools, mobile business apps, employee cards, insurance coverage and unique benefits.