Small Business Credit Card Recommendation

Updated on January 11, 2009
J.P. asks from Glencoe, IL
12 answers

Does anyone have a small business credit card that they are happy using? I have recently set up my website and my business is growing. I don't travel for my job, but do use credit for both gas and other business purchases. If you have any suggestions, I would welcome them.
Thanks,
J.

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L.M.

answers from Chicago on

I have used Advanta for a number of years for my stamping business (http://lisamiller.stampinup.net) and have been mostly happy. Yes they won't budge on their interest rates, but it was pretty easy to get their card and there is a great rewards program where you can get points in the form of a rewards card, or other merchandise, gift cards, travel vouchers, etc. Their annual fee is $40 and I haven't tried to get out of that yet since they wouldn't lower the apr. otherwise I'm happy w/them, and their website bill payment is easy to use. they just re-formatted their paper bills to appear to be easier to read. I usually just read it online tho.

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P.F.

answers from Chicago on

I love my business Discover. I love the cash back bonus. I used it to buy presents this year :)

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T.V.

answers from Chicago on

J.-The American Express is by the the best!! The fee is a write off anyways and is worth it and you get points. We have been using it for years and have had to dispute some small and large purchases and we always were pleased with the outcome. They support their members!!

What do you do?? I have some really good shoppers websites and what not that I belong to that are free.

T.
www.bspurses.com/tvanschoyck

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L.D.

answers from Chicago on

Hi J.! I run a small business too and I LOVE my American Express Business card. Let me give you an example - I had a distributor who recently shorted me on a shipment. When I called them about it, they gave me the run-around and told me it would have to go through a number of their internal departments before I could get an answer...or a credit. I had paid for the materials using my Am Ex, so I called them up and told them what was happening. I had ordered and paid for 150 pieces, but was only shipped 124. Am Ex immediately credited me for the missing 26 pieces and investigated the situation on my behalf. They dealt directly with the distributor to resolve the matter - I didn't have to do a thing! At the end of it all, the distributor agreed to credit me for only a portion of the missing pieces. But you know what, Am Ex credited me for the rest, so I was made whole. The commercials you see are true - they really do take care of their customers. Believe Tina Fey!

The card is also great for building your business's credit rating. Over the last 3 years, I've been promoted up to the gold card which earns you all kinds of benefits, and was just recently told I am pre-approved for the platinum card, which gives you even more benefits. You earn points for every dollar you spend which can be used on all kinds of things - from free nights in hotels and free flights to credits at various stores. Even if you don't travel for business, you can use these points for personal travel...will make our next vacation much less expensive.

Hope this helps! : )

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N.H.

answers from Chicago on

I recently got a business credit card and found it by going to http://www.creditcards.com they have business cards listed and you can look at their offers. I went with Advanta, I have not had the card long enough to tell you good or bad but have not had problems.

-N.

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A.H.

answers from Chicago on

Good Morning J..

I read your question above. My husband and I are business owners. I also work full time at Harris Bank in New Lenox plus I am a first time mother of a beautiful 5 month old girl.
We have a Simply Cash American Express card. It is through Harris Bank. There is no annual fee. You receive a percentage of cash back on specific purchases. For example....if you ship alot of your stuff through Fed Ex you get something like 5% cash back. You get 3% cash back for fuel. Most Business cards would like their balances paid off each month. The nice thing about this card is if you have an off month, the balance doesn't need to be paid in full. The down fall is you get charged like 23% or something close to that. You can pay your bills online at no charge as well. You can also itimize your statement for tax purposes.
I also have a Capital One Business credit card. It's just about the same as the Amex. I must say that with the way things are now a days with credit, I won't lie....you will need a pretty good credit score to get some kind of credit line. If you want to talk more, you can me an email @ [email protected]____.com or you can call [email protected]____.com's my work number.
My name is A.. I live in Channahon. Our family business is in Morris. We own an Automotive Repair shop. We have a been in business for 2 years now.
I can tell you lots of things about your business. I hope for nothing but the best for you and your family. Talk to you soon.

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S.W.

answers from Chicago on

I use propay and like it!

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A.N.

answers from Chicago on

i opened a card with american express blue for business about 6 years ago when i began to need a card for my business. They have been great - and even provide some interesting "tools" for marketing! Also, they have a point program for stuff which is fun and lastly, you can get discounts if you use your card at certain places.

Hope that helps!!
I'd love to see some of your creations!
( i am a muralist and also create room accessories for kids)

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A.G.

answers from Chicago on

Advanta is a good company, but they aren't very helpful with their rates. With an 820 credit score I still had 11.99% interest on that card. Any other card that I own has between 1.9 and 6.9%.

If you carry small balances, I highly recommend the American Express PLUM card. It's for small businesses, and you get a 2% early pay discount if you pay your bill in full before the due date. If you don't pay it in full, you only have to pay 10% of the new balance and can defer the rest of it interest free for 60 days. It's an outstanding card with lots of business benefits (discounts with FedEx, floral delivery, etc.). I think it's just www.plumcard.com.

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M.M.

answers from Chicago on

Hello! J..

I have two small businesses, both on [email protected]____.com is a school for continuing professional education for adults and the other a tax practice. As an accountant, I strongly advise you to use a small business credit card for all business purposes. Chase Bank has very good small business financial resources including credit cards, debit cards, lines of credit and other features to help you with growing and maintaining your business financial needs. The visa debit and credit cards allow you to earn points for travel and also for purchasing equipment and supplies. I would also suggest you register with Office Max, Best Buy, and Wal-Mart as a business in your community, to earn additional perks. If you need more information feel free to contact me. My email is [email protected]____.com. M. M.

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B.S.

answers from Chicago on

Discover Small Business. Go to www.discovercard.com and click on "Small Business" on top. You can even earn CashBack bonus $ with purchases.

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E.H.

answers from Chicago on

After a lot of research, we went with Advanta. No complaints.

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