Top Four Business Cards for 2015

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Many people can get a small business credit card. Opening small business cards roughly doubles the number of amazing miles and points cards available to you.

Every small business credit card I’ve gotten I opened by putting my social security number as the tax ID, and by saying that my business is a sole proprietorship. I got many of the cards when my business revenue was very low.

Check out my post on How to Be Approved for Business Cards.

If you have a business, make sure you are opening the right business credit cards to maximize your free, discounted, and luxury travel. Here are the top four cards, broken down by Best Sign Up Bonus, Best Category Bonuses, Best for Everyday Spending, and Best for Perks.

Best Sign Up Bonus

Some credit card offers in this post have expired, but they might come back. If they do they will appear –> Click here for the top current credit card sign up bonuses.

The CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® offers 50,000 bonus American Airlines miles after spending $3,000 on the card in the first three months.

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American Airlines miles are currently the most valuable because United and Delta jacked up the number of miles needed for premium cabin awards last year, but American Airlines has not.

Just the sign up bonus on the CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is enough miles for a roundtrip to Europe, South America, or Asia.

The card offers double miles at office supply merchants, telecommunications merchants, and car rental merchants and a 5% mileage bonus every year you renew.

The card also comes with a free checked bag and priority boarding on American Airlines flights.

The annual fee of $95 is waived the first 12 months.

Application Link: CitiBusiness® / AAdvantage® Platinum Select® World MasterCard 

Best Category Bonuses

The Chase Ink Plus offers 5x Ultimate Rewards per dollar for purchases at office supply stores and on cellular phone, landline, internet and cable TV services. The card also offers 2x points at gas stations and hotels.

The Ink Plus offers 50,000 bonus Ultimate Rewards after spending $5,000 in the first three months on the card. Ultimate Rewards transfer 1:1 to United, British Airways, Southwest, Korean, Virgin Atlantic, and more.

The annual fee of $95 is waived the first 12 months.

(Note that Chase is split testing higher annual fees for the card, so make sure you get the best offer.)

Best for Everyday Spending

The Starwoord Preferred Guest Business Card from American Express OPEN earns 1 Starpoint per dollar on all purchases.

Starpoints transfer to over 30 airlines, most at a 1:1 ratio. Whenever Starpoints transfer at a 1:1 ratio, you always get 5,000 bonus miles for every 20,000 points transferred. That effectively means that you are earning 1.25 airline miles per dollar on all purchases with this card. Key 1:1 transfer partners:

  • American Airlines
  • US Airways
  • Delta Air Lines
  • Alaska Airlines
  • Many More, but NOT United

Here is how to transfer Starpoints to airline miles.

The card comes with 25,000 bonus Starpoints after spending $5,000 in the first six months. Points can also be used for free hotel nights, Cash & Points stays, and Nights & Flights awards.

The annual fee of $65 is waived the first 12 months.

Best for Perks

The Business Platinum Card from American Express is the king of perks for business cards. The card comes with:

Here is how to set up and maximize those benefits.

The card comes with 40,000 bonus Membership Rewards after spending $5,000 in the first three months. It earns 1 Membership Rewards per dollar on all purchases with no category bonuses.

The card has a $450 annual fee that is NOT waived.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.

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