If you are a small-business owner, you are probably already preparing this year’s shopping budget for your company needs. Whether the bulk of your expenses are made on office supplies, travel, equipment, or anything else, I’ll show you how you can save money and earn rewards on your spending, whether you're on the road or in the office.

Most, if not all business purchases are generally made with a credit card. Having the right card will not only help you save money on all of your purchases, but it will also let you earn top rewards and benefit from exclusive perks. According to field experts, most businesses tend to buy more during the first quarter of the year, making this time of year the perfect moment to consider applying for one of our best rated business credit cards with the highest rewards or cash back.

It’s also important to have several business credit cards that offer large rewards on different spending categories. This way, you can be sure to always earn the highest rewards on any type of purchase by using the card that is most rewarding for that spending category. I've divided the credit cards into two categories: office supplies and travel, so that you can see which cards offer better rewards on different types of spending.

If you spend a lot of money on office supplies, you will want a credit card that rewards you specifically on your office supply purchases. In 2012, businesses in the U.S. spent a total of $86.7 billion on office supplies and services, according to Marketline’s latest market overview. And it's not surprising, office supply purchases can add up to quite a large sum per year for most businesses, which is why it is of utmost importance to purchase these with the right type of credit card that gives you part of the money back.

Here is our choice of the best business credit cards for office supplies in 2016:

Ink Cash® Business Credit Card, issued by JPMorgan Chase (JPM). Earn $200 bonus cash back after spending just $3,000 in the first 3 months of having this card – this bonus is one of the largest we have seen on a business credit card! Earn 5% cash back on the first $25,000 spent on office supplies, cable services, and telecom services per year. Earn 2% cash back (limited to $25,000 spent per year) on purchases at gas stations and restaurants. Earn unlimited 1% cash back per $1 spent on all other purchases. $0 annual fee and a 0% intro APR for 12 months on purchases and balance transfers with 13.49% - 19.49% variable APR thereafter. Because of its great rewards, Ink Cash Card won a spot in our Best Rated Credit Cards for 2016. Find out more in the full review of Ink Cash® Business Credit Card here.

SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser, lets you earn 5% cash back for purchases at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. You earn 3% cash back for purchases you make in the category of your choice, from a list of 8 select categories, and 1% cash back on your other purchases. You earn the 5% and 3% cash back for up to $50,000 of purchases per calendar year, then 1% thereafter. The cash back you earn is automatically credited to your statement. This card comes with a limited time offer which lets you earn a one-time $250 statement credit after you spend $5,000 or more on qualifying purchases using your Card within your first 6 months as a Card Member (your application must be received by August 3, 2016 for you to qualify for this bonus offer). Benefit from no annual membership fee.

Capital One® Spark® Cash for Business lets you earn a one-time $500 cash bonus when you spend $4,500 on purchases during the first 3 months after account opening. Every purchase you make with this card earns 2% cash back, so if you use this card to pay for all your business expenses you can save quite a bit of money. Cash back earned doesn't expire and there is no limit to how much cash back you can accumulate. If your business spending isn't completely predictable, then this is a good business card to get as you earn good rebates on all spending, not just certain categories. You pay $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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U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® could work well for you if your business involves a fair amount of driving or deliveries. Earn a new cardmember bonus that gives you $150 after you spend $500 in net purchases on your card within the first 90 days of account opening. This business credit card rewards you with 3% cash back for gas net purchases, as well as mobile phone services, and office supply net purchases. You earn this cash back on purchases minus returns and credits (net purchases). There is no limit to the rewards you can earn and cash back never expires. It also lets you earn 1% cash back on every other net purchase. Each year on your account anniversary you can receive a bonus (up to $250) equal to 25% of cash back earned that year. You get 0% introductory APR on qualifying purchases for the first 9 billing cycles, 12.24% - 18.24% variable APR thereafter. No annual fee. Read our review of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® here.

If you spend large amounts of money on travel expenses, you may want to consider getting a good business travel credit card that not only offers maximum rewards on your spending, but that also throws in some exclusive perks and benefits to make you feel like a VIP wherever you go.

Capital One® Spark® Miles for Business is a solid business travel card that rewards you with miles for every purchase. You earn 2 miles for every $1 you spend on purchases, so you will earn miles twice as fast as you would with most dedicated airline cards. You can redeem your miles for travel that you book yourself, or through Capital One's booking service, with no blackout dates or seat restrictions. You can also redeem miles for cash, gift cards or select merchandise. Get annual itemized reports on business spending at no extra charge. Benefits include travel and emergency assistance and auto rental collision damage waiver. The first year you get a $0 intro annual fee, after that the annual fee is $59. This is a good card to get if you want to earn high reward miles on all purchases while enjoying business and travel perks. For added value, you get a (one-time) bonus of 50,000 miles after you get this card and spend $4,500 on purchases with it in the first 3 months after account opening. Read our Capital One® Spark® Miles for Business review.

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You may also check out our business credit cards section that highlights cards with top rewards, benefits and perks.