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The Best Business Credit Cards, Corporate and Company Card

By Amarendra Bhushan for CEOWORLD Magazine Updated:November 14, 2009

What types of financing has your company used within the last 12 months to meet your capital needs? If you checked credit cards, how many cards do you currently use? What percentage of your overall debt/financing is comprised of credit-card debt? What is the approximate interest rate you are charged on your primary credit card?

To begin selecting the best business credit card for your business, think about credit card features that might help your business to grow. Various credit card companies now offer small businesses tools that are meant to help a business grow. Tracking and spending tools are some of the most popular features offered. These tools are great for businesses that need to keep track of their money, but this feature may not equate the best business credit card available.

American Express Business Platinum Card- American Express

Assistance with all your travel needs via Business Platinum Travel, Complimentary Airport Club Access, Upgrades and exclusive amenities with Fine Hotels & Resorts. Get complimentary membership in the elite programs of Avis®, Hertz®, and National Car Rental®. At Hertz you will save $60 in fees and get a one-level upgrade on every full-size rental. Avis rentals come with discounts up to 20% and one-level upgrades. And you will always have the freedom to bypass lines and paperwork at all three agencies.

Purchase Protection insures eligible purchases against theft, loss, and accidental damage for up to 90 days from purchase. As a Business Platinum Card member, you will get 10X the coverage of other eligible Cards with up to $10,000 per occurrence and up to $50,000 per Card member, per year.

You can always reach a Business Platinum Concierge consultant, ready to help you take care of the little things: Planning a client visit with last-minute five-star reservations and a smart suggestion for the right appreciation gift. With comparable Concierge services beginning at $1,000, it’s one of our most valued benefits.

American Express Business Accelerator Credit Card- American Express

Every month you’ll receive a statement that includes a GST breakdown that meets ATO requirements4 for GST reporting. You can also download your statements straight into Quicken®, MYOB®, or your Microsoft® Excel budget spreadsheet – saving you time preparing your BAS.

Earn 2 Membership Rewards points for every $1 spent up to $150,000 – reverting to 1 point for $1 thereafter (reset annually). Complimentary automatic enrolment in Membership Rewards™ Choices giving you access to top class shopping and gifts.

The $160 annual Card fee is tax deductable if the Card is used solely for business purposes. An interest rate of 19.99% p.a

American Express Business Gold Card- American Express

Reward yourself and earn 25,000 bonus points when you spend $50,000 each year.Choose how to use them: Fly without blackout dates. Buy merchandise for your office. Get event tickets and gift cards for clients. Or reward yourself. Points also have no expiration and no restrictions. Inventory. Supplies. Rent. Clients. Employees. Travel. Emergencies. Get purchasing power that can evolve with your business — and earn 1 point for every eligible dollar you spend.

American Express Plum Card- American Express

The Plum Card is a charge card issued by American Express’ OPEN small business division in the fall of 2007. Initially there were to be only 10,000 cards issued. Some of the first 10,000 cardmembers, such as Pinkberry, were featured in advertising. In the spring of 2008, additional applications were made available.

The Plum Card offers cardmembers the option of an early pay discount of 1.5%, originally 2%, (to those who pay within ten days of the statement closing date) or a defer payment option that allows you to pay 10% of the new balance by the first please-pay-by date and revolve the remaining balance only until the next please-pay-by date. Cardholders are allowed one extra card fee free, every card thereafter costs $45.

AT&T Universal Business Rewards Card- Citigroup

Being a small business owner can sometimes be overwhelming. That’s why Citibank has created the AT&T Universal Business Rewards Card for Small Business. This credit card allows you to consolidate all of your business-related expenses while earning valuable reward points. Cardmembers will also enjoy a 0% introductory APR on purchases for 6 months, and a reasonable variable APR on purchases thereafter.

Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services. Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases.

CitiBusiness Card- Citigroup

Small businesses can earn points by using this card at certain official supply stores and for professional and other services. This card has no annual fee, and it features a 0.0% APR for the first 12 months. After the first year, the APR goes to a variable rate.

CitiBusiness Gold Card- Citigroup

Better manage your cash flow with up to $60,000 credit limit, and 0% p.a. on balances transfers and purchases for 3 months. Plus reward yourself for your hard work with 5,000 bonus reward points after your first retail spend, 1.25 reward points for every $1 spent and a personalised rewards program. Add to that complimentary international travel insurance and the CitiBusiness Gold Card is altogether a better deal for your business.

Discover Business Miles Card- Discover Bank

which gives small business owners a way to earn miles faster and the ability to travel with no restrictions. Discover Card is introducing the new Business Miles Card following last year’s successful debut of Discover Business Card as another way to provide more flexibility and control to America’s small business owners.

The Business Miles Card provides a superior rewards experience for any cardmember who wants to travel without restrictions. Unlike some other miles programs, with the new Business Miles Card, cardmembers can book their own travel, through any travel source, at any time – any airline, cruise, hotel, vacation package or car rental. That way, they’re not tied to restrictive rules and can travel at times that make the most sense for their business.

Discover Business Card- Discover Bank

Discover business card is the ideal choice for small business owners who look for discounts and cash backs. With Discover business card, a card holder can get 5% rebate on office supplies and 2% rebate on gasoline purchases. The rebate process is based on a tiered system and therefore different amount of purchases earn different rates of rebates.

The Discover Business Card has a tiered rebate formula. For your first $1,200 of annual spending on office equipment and supplies, you will earn 5% rebates. For your first $1,200 in gasoline purchases, you will earn 2% rebates.

Platinum Plus for Business MasterCard- Bank of America Corporation

Create working capital instantly with a competitive-rate card for your small business. You’ll also get additional cards for your employees, at no extra cost with complete control over their spending limits. The Platinum Plus for Business MasterCard features no annual fee, and a 0% introductory annual percentage rate (APR).

Business owners who want cards for their employees—with complete control over spending limits—and a competitive everyday APR.

WorldPoints Rewards for Business Visa Card- Bank of America Corporation

The WorldPoints Rewards for Business Visa Card rewards you with the option to transfer points between eligible WorldPoints cards. You’ll enjoy dedicated customer service, convenient account access and a competitive everyday APR.

Business owners who want better control over business expenses and the flexibility to transfer points between eligible WorldPoints cards to redeem valuable rewards.

Capital One Business Platinum Card- Capital One

This card is for business owners who, Want to build business credit history, Want to save on everyday expenses with a 0% purchase APR until May 2010, Want to transfer higher-rate balances and save with a 0% intro APR (available after your account is open).

0% introductory APR on purchases until May 2010, 0% introductory APR on transferred balances until May 2010 (available after your account is open), Credit line up to $5,000.

Author : Amarendra Bhushan

Author's Website | Articles from Amarendra Bhushan

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neel

i would like know if im using my hdfc platinum plus international credit card in usa, what r the charges i have to pay

Peter Cohen

Hi Neel,

I was living in Bangalore for 4 years and using this card in Florida. I never paid extra for it. But i would suggest drop by to any HDFC bank, its at evry corner in india. Ask them...