Best Business Credit Cards
Here are Select's picks for the top rewards cards:
Best Business Airline Miles Credit Cards Compared:
| Credit Card | Best For |
|---|---|
| Capital One® Spark® Miles for Business | Overall |
| CitiBusiness® / AAdvantage® Platinum Select® Mastercard® | Initial Bonus |
| United MileagePlus® Club Business Credit Card | Airport Lounges |
| Capital One® Spark® Miles Select for Business | No Annual Fee |
You can spend points for many different things. Usually, you can trade them for travel, gift cards, unique experiences, charitable donations or even cash. There are no restrictions on what you can use cash for. You can typically redeem cash back for a statement credit, paper check, or direct deposit to a bank account.
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
There are several easy approval business credit cards. That's because the easiest business credit cards to get only require fair or bad credit. They include Capital One Spark Classic for Business, the Staples Business Credit Card, and the Wells Fargo Business Secured Credit Card.
The Best Credit Cards of 2021
Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Discover it® chrome: Best feature: Gas cash back. Citi Rewards+® Card: Best feature: Two points per dollar spent at gas stations. American Express Cash Magnet® Card: Best feature: Flat-rate cash back rewards.
Although it goes against general credit advice, in certain circumstances closing a credit card account is necessary. A credit card can be canceled without harming your credit score—paying off your balances first is key. Closing a credit card will not impact your credit history, which factors into your score.
How many miles do you need to have for a free flight by airline? We sampled award miles needed for a one-way domestic flight, and found that consumers need between about 7,000 and 119,000 miles to get a free flight. In most cases, the cost of a round-trip flight is simply double what you see below.
Since many — but not all — business cards report only to the business credit bureaus, any spend you put on your business credit card will have no impact on your personal credit. ... Indeed, many of the consumer protections included in the Credit Card Act of 2009 don't apply to business credit cards.
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