The small business environment in 2019 isn't without its challenges, and difficult investment decisions are just one of these, but business owner remain optimistic. That's the forecast showing of Capital One's most recent Spark BusinessTM Barometer, a survey of 400 small businesses throughout the U.S.

If you are one of the 34 percent of small business owners looking to expand through investment in solutions that drive efficiency, or the 18 percent who 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 in 2019.

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 in 2019, 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

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

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

  • Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2 miles per $1 on every purchase.
Excellent, Good

Additional GET.com Resources: