A charge card is a good alternative to a credit card. It gives your business most of the same advantages you get with a business credit card, but does not include the option to carry a balance (you need to pay your balance off in full each month).

For many small businesses, a credit card provides a convenient way to access capital and balance their cash flow. A report by the Small business Administration (SBA) named inadequate capital as a major constraint limiting the growth, expansion and wealth creation of small firms.

But if your business is eligible for a low interest business loan, or has enough capital to steady your cash flow, then you don't necessarily need a business credit card. In this case you could consider a business charge card.

Just like good credit cards, rewarding charge cards come with a long list of benefits and help you save money for your business by earning rewards, benefiting from perks like insurance coverage, and paying for large purchases without cash. The only difference is that you will have to make your payment in full every month.

Here is our pick of our best rated business charge cards in the US. You will need excellent credit to apply for most of these cards:

This card offer is currently unavailable through GET.com!

GET.com's best rated business charge cards

Best ForCredit Card
TravelThe Business Platinum Card® from American Express

The Business Platinum Card® from American Express, a GET.com advertiser, is one of our highly rated business charge cards that comes with a broad range of business benefits (over 40 benefits altogether). This welcome offer lets you earn 75,000 Membership Rewards® points. Earn 75,000 Membership Rewards points after spending $15,000 within the first 3 months of Card Membership. Plus get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. If you travel a lot on business, the complimentary access to over 1,200 airport lounges worldwide is definitely a nice perk. Get 10 Gogo inflight internet passes when enrolling your card with Gogo and unlimited complimentary Boingo Wi-Fi access (upon enrollment) at more than 1,200,000 Boingo hotspots worldwide. You can get up to a $200 Airline Fee Credit (in statement credits) per calendar year on an airline you select. These credits can cover incidental fees such as baggage fees, lounge day passes, and more. Get assistance for all kinds of daily tasks from the Business Platinum Concierge. Purchase limits of this card can be adjusted over time to suit the needs of your business. This card comes with a new offer that lets you earn 50% more Membership Rewards® points (which makes 1.5 points per $1), on each qualifying purchase of $5,000 or more (get up to 1 million additional points per year with this offer). If you use Membership Rewards Pay with Points for all or part of an eligible fare you can get 35% of those points back, on up to 500,000 bonus points per calendar year when you book on amextravel.com. You will earn 1 point for each dollar you spend on eligible purchases under $5,000. In my opinion, the $595 annual fee could be well worth the cost if you take advantage of the many benefits this card offers. Terms Apply.

For rates and fees of the The Business Platinum Card® from American Express, please click here.

This card offer is currently unavailable through GET.com!

How We Rate Business Charge Cards

At GET.com we analyze each charge card's benefits (rewards, bonus offers, flexible spending limits and other business-specific benefits) and weigh them against the fees and charges (annual fee, foreign transaction fees, ATM fees, and other fees). We also look at the card's flexibility, specifically how users can earn and redeem rewards and if there are earning or spending caps.

Flexible cards with solid rewards will usually receive a better rating than cards designed for customers that are loyal to a specific brand (e.g: airline or hotel cards for customers that normally use that hotel/airline). We also value perks and benefits that make life easier for business owners (perks like free WiFi, lounge access and concierge services).

Additional Resources At GET.com: