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.


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