Top 7 Small Business Credit Cards For Spring 2012

Credit cards will be the biggest source of financing for small enterprises, with 44 percent of smaller businesses having used credit cards in the past 12 months to help finance capital needs, based on the National Small company Association’s 2008 Survey of Small and Mid-Sized Businesses. And of all forms of loan sources for capital financing, credit cards top the list.

Our Top 7 List of Small Business Credit Cards

Capital One® SparkSM Miles Select for Business

  • Get a 50% bonus on the miles you earn every year
  • Earn 1 mile per dollar on every purchase, every day
  • Save with 0% intro APR until September 2012
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • There’s no limit to the amount of miles you can earn and miles don’t expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Ink Cash℠ Business

  • All cardholders start off with $250 cash back after making just $5,000 in the first three months.
  • The card also comes with an excellent cash back offer of 5% for the first $25,000 spent annually on office supplies, wireless, landline and business cable services
  • 2% for the first $25,000 spent annually on gas and dining and 1% on everything else.
  • Plus, if you shop online through Chase Rewards Plus, you can earn up to 10% cash back.
  • APR of 0% on purchases and balance transfers for six months.
  • no annual fee
  • no fee for adding more cardholders to the account

CitiBusiness Card

  •  0 percent for first 12 months;
  • 7.24 percent thereafter
  • 24-hour personal business assistant service to help with travel arrangements and office management;
  • quarterly and annual summaries

True Earnings® Business Card from Costco and American Express

  • cash back system worthy of ranking at the top.
  • Cash back rates of 4% on gasoline purchases
  • 2% on travel and restaurants
  •  1% on everything else (including gas when you’ve reached your spending limit)
  • opportunity to grow their business and earn a little back
  • If you use this card to pay your Costco membership each year, there is no annual fee.
  • 0% introductory APR offer on purchases for six months.

SimplyCash Business Card from American Express OPEN

  • Earn 5% cash back on the first $12,000 annually spent on wireless services and office supplies
  • 3% cash back on the first $12,000 spent yearly on gas
  • 1% cash back on every other purchase.
  • 0% introductory APR on purchases for up to 12 months.
  • No annual fee.

The Business Gold Rewards Card® from American Express OPEN

  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential – there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 – and this fee is waived for the first year

Bank of America® WorldPoints Rewards for Business™ Visa® Card

  • Bank of America named “The Best Credit Card Company for Small Business Owners” – Small Business Card Study, CardHub April 2011
  • Earn 2X WorldPoints rewards points per $1 on purchases at gas stations, restaurants and office supply stores
  • And, earn 1 WorldPoints rewards point per $1 on all other purchases
  • No limit to the points you can earn
  • Employee cards at no additional cost with credit limits you control
  • Our Clarity Commitment™ provides small businesses with financial understanding and protection
  • Extended grace period on purchases – at least 25 days from statement closing date
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