If you are a small-business owner, you are probably already preparing this year's shopping budget for your company needs. Whether the bulk of your expenses are made on office supplies, travel, equipment, or anything else, I'll show you how you can save money and earn rewards on your spending, whether you're on the road or in the office.

Most, if not all business purchases are generally made with a credit card. Having the right card will not only help you save money on all of your purchases, but it will also let you earn top rewards and benefit from exclusive perks. According to field experts, most businesses tend to buy more during the first quarter of the year, making this time of year the perfect moment to consider applying for one of our best rated business credit cards with the highest rewards or cash back.

It's also important to have several business credit cards that offer large rewards on different spending categories. This way, you can be sure to always earn the highest rewards on any type of purchase by using the card that is most rewarding for that spending category. I've divided the credit cards into two categories: office supplies and travel, so that you can see which cards offer better rewards on different types of spending.

If you spend a lot of money on office supplies, you will want a credit card that rewards you specifically on your office supply purchases. In 2012, businesses in the U.S. spent a total of $86.7 billion on office supplies and services, according to Marketline's latest market overview. And it's not surprising, office supply purchases can add up to quite a large sum per year for most businesses, which is why it is of utmost importance to purchase these with the right type of credit card that gives you part of the money back.

Here is our choice of the best business credit cards for office supplies in 2017:

  • Special Offer: Earn up to $400 cash back

    Why we like it
    • Special Offer: Earn up to $400 cash back
    • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
    • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
    • No Annual Fee. Plus, more buying power and more cash back.
    • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
    • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
    • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
    • Terms and limitations apply
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on Purchases for 9 months

    Regular APR

    12.74% - 19.74% Variable

    Annual Fee

    No annual fee

    Credit Required

    Good, Excellent
    APPLY NOWAt American Express' secure website

    Intro APR

    0% on Purchases for 9 months

    Regular APR

    12.74% - 19.74% Variable

    Annual Fee

    No annual fee

    Credit Required

    Good, Excellent
    • Special Offer: Earn up to $400 cash back
    • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
    • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
    • No Annual Fee. Plus, more buying power and more cash back.
    • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
    • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
    • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
    • Terms and limitations apply
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval

    Why we like it
    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
    • Use Spark Cash across all your business spend, with no categories to limit your purchasing
    • $0 intro annual fee for the first year; $59 after that
    • Rewards don't expire, and you can redeem your cash back for any amount, anytime
    • Get employee cards at no additional cost, and earn rewards from their business spend

    Regular APR

    17.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good
    Why we like it
    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business.

    Regular APR

    17.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good
    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
    • Use Spark Cash across all your business spend, with no categories to limit your purchasing
    • $0 intro annual fee for the first year; $59 after that
    • Rewards don't expire, and you can redeem your cash back for any amount, anytime
    • Get employee cards at no additional cost, and earn rewards from their business spend

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening

    Why we like it
    • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on total rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250
    • No annual fee*
    • Net purchases are purchases minus credits and returns
    APPLY NOWAt U.S. Bank's secure website

    Intro APR

    0% on purchases for 9 billing cycles*

    Regular APR

    12.49% - 18.49%* (Variable)

    Annual Fee

    No annual fee*

    Credit Required

    Excellent
    APPLY NOWAt U.S. Bank's secure website
    Why we like it
    • Plus, a 25% Annual Cash Rewards bonus, up to $250.

    Intro APR

    0% on purchases for 9 billing cycles*

    Regular APR

    12.49% - 18.49%* (Variable)

    Annual Fee

    No annual fee*

    Credit Required

    Excellent
    • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on total rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250
    • No annual fee*
    • Net purchases are purchases minus credits and returns
    APPLY NOWAt U.S. Bank's secure website

If you spend large amounts of money on travel expenses, you may want to consider getting a good business travel credit card that not only offers maximum rewards on your spending, but that also throws in some exclusive perks and benefits to make you feel like a VIP wherever you go.

  • Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval

    Why we like it
    • Earn 2 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
    • Miles don't expire, and there are no categories to limit where or what you buy
    • $0 intro annual fee for the first year; $59 after that
    • There's no limit to the amount of miles you can earn and miles don't expire
    • Redeem miles for travel, cash back, gift cards and more
    • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

    Regular APR

    17.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

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

    Regular APR

    17.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good
    • Earn 2 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
    • Miles don't expire, and there are no categories to limit where or what you buy
    • $0 intro annual fee for the first year; $59 after that
    • There's no limit to the amount of miles you can earn and miles don't expire
    • Redeem miles for travel, cash back, gift cards and more
    • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

You may also check out our business credit cards section that highlights cards with top rewards, benefits and perks.