Top Ten Credit Cards

Forget the raging debate of best credit cards for a second. All credit cards can be equally good or bad for you. I know of a man who has used credit cards for the last 50 years and has never paid a single cent on interest as he paid all his bills on time, every time. However, for those who are not financially responsible and forget to pay on time, they will need cards that charge minimal penalties. At times, to finance business related expenses, these small business credit cards come very handy. Credit cards prove to be of invaluable help to small business owners. Let us find the top ten credit cards , especially for those who own small businesses.

For many small business owners, having a buffer of cash (or credit) available to cover day-to-day costs or even expansions is key to their survival. Unfortunately, banks require a detailed process before they will be willing to release funds. This can cause quite a headache for the small business owner, especially when they have unexpected needs crop up. The best alternative then, is to utilize credit cards specially meant for this purpose.

Ink Cash Business Card:
This is a very good card for those who own small businesses as it offers a 3% cash back on fuel, home improvement, office supplies and restaurant bills. In addition, you get 1% cash back on everything else. Online purchases can earn up to 10% cash back.

True Earnings Business Card from American Express:
With 4% cash back on fuels, 3% on restaurants, 2% on travel, and 1% on everything else, this card allows small business owners to expand their businesses while earning a little in the bargain.

Chase Ink with Ultimate Rewards:
This is an excellent card for those small business owners who travel a lot.

Capital One Venture for Business:
It offers 10000 bonus points for spending of $1000 in the first three months. However it comes with an annual fee of $59.

Starwood Preferred Guest Business Credit Card from American Express:
If you need to have power lunches, this is the card for you. It gives cash back on all hotel stays.

Ink Bold with Ultimate Rewards:
This card gives maximum reward points on spending.

Capital One Business Platinum with No Hassles Cash:
This card has the most straight forward offers among all cards.

CitiBusiness/ AAdvantage Visa:
This is an excellent card for those business owners who are frequent flyers.

As you can see with this list, every card has its own special features as it has been designed keeping in mind a particular category of small business owners. As such it really becomes difficult to find top ten credit cards that suit everyone. However, depending upon one’s own requirements, it is easy to choose any one of these credit cards.

The most obvious reason to go for small business credit cards is to separate your personal finances from your business needs. As these cards are welcome almost on all business establishments, using them for your business needs makes sense. All these cards have a certain credit limit as well as time period within which to repay the money.  When you use these cards, you need not fret over finding which of your expenses were personal at the end of a financial year.

Related Resource :

Credit card merchant – Merchant services for online businesses. FAC provides international multi-currency payment processing solutions online to leading Internet merchants across the globe.