Pretty much every small business could use some extra cash to make things flow smoothly—and sometimes a business credit card is the best way to go.
The right card can offer some attractive financial rewards and incentives, while also helping your business establish or improve its credit.
But where can you shop business credit cards? There are just so many to choose from, and it’s tough to find your best options on your own.
Not to worry.
We’ll take a closer look at some of the most useful places online to find and compare credit card information. We’ll include websites that specialize in reviews and comparison data, media coverage of credit cards, and the companies that offer these products.
Armed with this information, you’ll be able to make the most informed decision possible when looking for your next business credit card. Ready to find the best places to shop business credit cards? Let’s do it.
Shop Business Credit Cards
If you don’t quite have the time to peruse our complete guide on where to shop business credit cards, we’ve still got you covered.
There are 3 great ways to approach the process of shopping business credit cards—going to personal finance websites, to financial news websites, or directly to credit card companies.
To start, the top 4 personal finance websites to shop business credit cards are NerdWallet, The Simple Dollar, ValuePenguin, and Cardhub.
If you’re looking for trusted financial news websites, consult CNN money, New York Times, or Time Magazine.
Finally, if you want to shop business credit cards directly with card issuers, look into Chase, American Express, and Capital One.
When you shop business credit cards, you’ll need to keep 4 key factors in mind—annual percentage rate, fees, rewards programs, and credit cards vs. charge cards.
If you keep these 4 things and mind, and you shop through one of the three trusted platforms suggested, you’ll be well on your way to finding your perfect business credit card.
One of the great things about the Internet is how information on even relatively obscure subjects is just a click away.
Credit card comparisons certainly fit this model: there’s an online cottage industry dedicated to evaluating the pros and cons of credit cards and their issuers.
NerdWallet can help you compare credit cards, car insurance, and mortgages. They also have a number of useful credit card reviews and comparisons that might educate you on the best options for your business.
A popular site offering business credit card recommendations is The Simple Dollar. This site, which specializes in many of the same personal finance topics as NerdWallet, also publishes an annual credit card roundup that conveniently sorts cards from “bad” to “excellent” ratings.
ValuePenguin is another popular online personal finance site that follows more or less the same formula as the previous two. It offers editorial recommendations and side-by-side comparisons of each card.
You’ll find categories like “Best Overall Business Rewards Card,” “Best Travel Business Card,” Best Cash Back Business Card,” and “Best Low-Interest Business Card.”
CardHub, is a credit card comparison site from finance company Evolution Finance. A checkbox filtering system about you—your credit score, whether you’re looking for a card with rewards, and so on—makes this a very user-friendly resource.
Plus, you can even apply for a card directly from this website.
While personal finance websites are a great way to research, you can also tap into another valuable resource: online news sites that offer personal finance and small business coverage.
Don’t miss out on CNN Money, the financial coverage arm of the famous cable network’s news organization.
CNN Money frequently runs articles detailing the best credit card options for business owners and travelers, the best credit card perks, and more.
The New York Times has a popular section dedicated to personal finance called “Your Money” with plenty of useful tips and statistics. If you’re looking to learn, add this resource to your list.
This respected publication also offers a popular personal finance section called “Money“ that often includes useful credit card coverage.
It’s a must-read for any business owner who wants to stay current with the latest trends and developments in personal and business finance.
Finally, business owners might want to reach out directly to credit card companies for information.
Many credit card issuers—like Chase, American Express, and Capital One, for instance—specialize in business credit cards. Plus, they’ll give you access to information about cards directly from their sites.
While going directly to lenders might not provide you with purely objective comparisons of different cards, these sites usually have the benefit of the most up-to-date information.
If you want to shop business credit cards directly with a card issuer, then Chase is a great place to start. This card issuer offers some of the very best business credit cards out there, like the Chase Ink Preferred and the Chase Ink Cash. Though their website might not provide the most impartial information on their business credit cards, you can always be confident that you’ll be receiving abundant rewards when you spend with a Chase business credit card.
Another top card issuer to shop business credit cards with is American Express. American Express’s business suite is full of choices for small business owners, from business charge cards like the Amex Platinum to business credit cards like the Blue Business Plus. If you decide to shop business credit cards with American Express, then you’ll definitely have a wide variety to choose from.
Last but certainly not least, Capital One rounds out our list of the top 3 card issuers to shop business credit cards with. Capital One specializes in addressing small business owner’s needs—with no-nonsense yet lucrative business credit cards like the Spark Cash and the Spark Classic, Capital One will definitely have an option for those looking for simplicity.
Apply for These Credit Cards
Now that we’ve covered where to find credit card recommendations and evaluations, it’s important for business owners to understand how you should judge all these cards.
First, you’ll need to look at Annual Percentage Rate (APR).
It’s important to read the fine print here because many card issuers offer a lower introductory APR for the first 9 or 12 months, but switch to a higher rate afterward.
Don’t be caught off-guard… That mistake could be a costly one.
You’ll also want to look at the fees each credit card comes with when you shop business credit cards.
Does the card have an annual fee? How much is the fee for a cash advance? Is there a foreign transaction fee? Is there a balance transfer fee?
All these questions should be closely investigated before you make a decision.
Rewards programs are another important consideration when it comes to business credit cards.
Which card has the best cash back rate? Which one offers the most redeemable sign-up points or best travel points? As you shop business credit cards, you should know exactly which type of rewards you’re hoping to earn for your business spending. From cash back to rewards points to travel miles, the form that your credit card rewards take should adhere to your preferences.
Because the competition for cardholders is fierce, a rewards program can really impact the value of a card—so it pays to look closely at the details so you can score the best deal for your business.
Finally, it’s important to understand the difference between a credit card and a charge card.
Charge cards typically have no interest attached, but that’s because you’re required to pay your full balance at the end of every month. Plus, many business charge cards also come without a credit limit. While this might sound attractive, it’s important to realize that there can be stiff financial penalties if you fail to pay off your card at the end of the month.
Basically, business charge cards will operate on the assumption that you’ll pay off your balance in full every month, so if you’re not certain that you’ll be able to pull that off, then we suggest you stick with a business credit card with a low APR.
Whether you need to improve your cash flow or you’d like friendlier terms for your existing business debt, the right credit card can go a long way.
By exploring the online resources that specialize in reviewing and comparing credit card information, you can find the option that best serves your business needs. Knowing all the ins and outs of all of your options and being able to compare them side-by-side is a crucial step in shopping for the perfect business credit card for you and your business.
And we might be a little bit biased, but we think our guide to the absolute best business credit cards will help you shop business credit cards efficiently and successfully.