The small business environment this year isn't without its challenges, and difficult investment decisions are just one of these, but business owners remain optimistic.

If you are a small business owner looking to expand through investment in solutions that drive efficiency, or plan to take advantage of new technology to improve client interactions, a good cash flow and easy expense and investment tracking are a must.

A business credit card can be a simple solution for keeping a tight hold on your accounts and accessing a line of credit for business investments. I've put together a list of business credit cards with benefits that I feel can help small businesses looking to grow this year.

Chase Ink Credit Cards

Chase Ink cards are best known for helping businesses save through rewards earned on purchases. In my opinion, the real added value that these cards offer your business lies in the mobile technology they provide. This allows you to stay on top of your card account and keep track of spending on the go. You can also adjust spending limits for employee cards right from your device, and for a monthly fee of $9.95 plus rates starting at 1.99% + $.25 per transaction you can also accept credit cards with your mobile device (as well as online or in store) using Chase PaymentechTM.

Capital One Spark Credit Cards

My favorite features of Spark business credit cards from Capital One are the purchase records you can download (for Quicken, QuickBooks and Excel) and the detailed year-end summaries of all spending. These summaries are categorized by the type of purchase made, and make it really easy to do your accounting.

You can also change your payment due date as your business evolves. If you expect to hire new employees, you will appreciate being able to add employee cards at no extra cost.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

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