2018 is a great year not just for small business owners. Credit Card issuers have been offering some great products with a high sign-up bonus. If you are wondering whether can I apply for a small business credit card? Are you a freelancer/self-employed individual, part-time self-employed, entrepreneurs, small business owners, owners who make money by selling or renting, startups then definitely, yes. Check our article to know whether you qualify to apply for a small business card and what information goes on the application.  The most important reason to get one is to keep your personal expenses separate from your business expenses. Not only does that separation make your day-to-day bookkeeping easier, but it will also come in handy come tax time each year.

2018 Best Small Business Credit Card Promotions

Chase Ink Business

The Chase Ink Preferred is currently offering one of the best sign-up bonuses around, where you’ll receive 80,000 points after spending $5,000 in the first three months. The 80,000 points are worth $1000 when redeemed for travel. There are a few exciting ways to earn 3x points on this card including online sales, shipping, advertising, and phone and cable services. This card has a $95 annual fee which is quite low compared to similar Small Business Cards.

https://www.intellioffers.com/2018/12/step-by-step-guide-to-ink-card-and-getting-approved/

If you have Chase Sapphire Reserve, this card would make the best combination by transferring Ultimate Rewards to Sapphire Reserve. The same 80K rewards are worth $1200 when redeemed via Chase Reserve card for travel. There are other two Ink cards, Ink Cash with 5% cash back at office supply stores and on internet, cable and phone services, offering $500 or 50,000 points after $3000 spend and Ink Unlimited with 1.5% on every purchase offering $500 or 50,000 points after $3000 spend.

Getting the Chase card has its challenges with Chase’s 5/24 rule. It is best to get the card sooner rather than later if you are currently under 5/24. Getting Ink card first might be a better choice as this card won’t be counted within 5/24 when you apply for other Chase Cards that checks the 5/24.

Capital One Spark

Capital One is currently offering some staggering bonus for a limited time that you should consider getting right now.

  • The Capital One Spark Cash card, which gives users the opportunity to earn a total of $500 cash back.
    • Receive a $500 cash back bonus after spending $4,500 in the first three months of account opening
    • Cashback of 2% on all purchases, every day with no limit to total rewards
    • When it comes to the annual fee, it’s a $0 intro for first year; $95 after that.
    • Free employee cards, which also earn unlimited 2% cash back on all purchases

Capital One Spark Cash Limited offer  Learn More 

  • The Capital One Spark Miles comes with an opportunity to accrue 50,000 miles earning potential.
    • After spending $4,500 in the first three months of account opening, receive 50,000 miles
    • Earn another 2 miles for every $1 spent on all purchases and miles won’t expire for the life of the account
    • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
    • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
    • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services

Capital One Spark Miles Limited OfferLearn More 

Please note, you can only apply for one Capital One credit card per six months.

Amex Business

Best Amex Membership Rewards Business Credit Cards include Amex Business Platinum, Amex Business Gold and Blue Business Plus. With Amex Platinum Business, Get 5X Membership Rewards points on flights and prepaid hotels booked at amextravel.com, 50% more points on large business purchases and receive 35% points back when redeemed with an airline. Amex Business Gold offers, Get 3X points on the category where you spend the most for your business. Here’s how the Card works, 3X points on one category of your choice from the list below:

  • Airfare purchased directly from airlines
  • advertising in select media
  • gas stations
  • For shipping services
  • computer hardware, software, and cloud computing purchases made directly from select providers

2X points on the 4 remaining categories and 1X points on other purchases

American Express re-launched their Amex Gold Business, similar to Amex Gold personal card.  With the New Amex Gold, it will automatically determine you the top 2 categories that you earn most in a year and offers 4X rewards on those. You’ll also get new perks like a 25% Pay With Points airfare rebate, along with many of the existing perks of the old Business Gold Rewards.

Get 4X Membership Rewards points on the 2 categories are from the list below. Which means you can stick to any two categories to earn the maximum 4X points.

  • Airfare purchased directly from airlines
  • purchases for advertising in select media
    (online, TV, radio)
  • select technology providers of computer hardware,
    software, and cloud solutions
  • gas stations
  • restaurants
  • For shipping services

4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year

Amex Blue Business Plus keeps it simple and plain by offering 2x Membership Rewards points on everyday business purchases up to $50,000 with no category restrictions.

There are certainly other Small Business Credit Cards with some great offers which you may qualify for too,  Find out which one is best for you.

Are You Eligible for a Small Business Card?

 

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