Watergate Salad is a traditional fluff recipe with pistachio pudding, marshmallows, and pineapple! It’s the perfect potluck recipe.
This easy dessert salad has just a few ingredients and will remind your guests of childhood family gatherings.
The Best Business Credit Cards of 2019
If you’ve got a business, new or old, big or small, you should consider getting a business credit card. That’s because businesses need access to credit, and these specialized business credit cards can be a great way to fund business purchases, along with saving large amounts of money over time. This guide will review all the best small business credit card offers and explain how to maximize the benefits of each card. As with my list of the top personal travel rewards cards, I’m compiling my business picks based on which bonuses are the most valuable.
Here are the Best Business Credit Cards of 2019:
- Chase Ink Business Preferred Credit Card: Best sign-up bonus
- CitiBusiness AAdvantage Platinum Select World Mastercard : Best for American flyers
- The Business Platinum® Card from American Express: Best for high-end perks
- Southwest Rapid Rewards Premier Business Credit Card: Best for Southwest flyers
- Capital One Spark Miles for Business: Best for everyday spending
- United Explorer Business Card: Best for United flyers
- Marriott Bonvoy Business™ American Express® Card: Best for Marriott guests
- Capital One Spark Cash for Business: Best for cash back
- Chase Ink Business Cash Credit Card: Best for pairing with an Ultimate Rewards card
- American Express Business Gold Card: Best for flexible bonus categories
Can I Get a Business Credit Card?
If you are a small business or even if you just do some freelancing gigs, a business credit card can help you maximize your purchases, separate your expenses and save money on interest each year. Business credit cards offer bonus rewards on categories such as office supplies, airfare, advertising and gas. You can find more information on how to get business card right here.
Here are some things to research before you apply for a business credit card:
Before diving into the list, make sure to check out these posts for information on how applying for new cards affects your credit score, what to know about credit scores, mistakes to avoid and more.
- 5 Things To Understand About Credit Before Applying For Cards
- 3 Key Considerations for Improving Your Credit Score
- Debunking Credit Card Myths: Does Applying For A Card Permanently Impact My Credit Score
- Avoiding Late Payments and Other Silly Credit Card Mistakes
Compare the Best Business Credit Cards
Here’s how each of these cards stack up against each other. Note that for bonuses that have two spending tiers, we’re only factoring in the rewards you’d earn for meeting the first tier.
Finding the Business Credit Card That Fits Your Business Needs
Now, here’s a detailed rundown of the best business credit cards, with each card’s standout benefits and why it could be worth it for your business.
Current Bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
Current Bonus Value: $1,600
Standout Benefits: Get 3 points per dollar on the first $150,000 spent on travel, shipping, social media advertising and internet/cable/phone services each account anniversary year, plus 1 point per dollar on everything else. This card also offers cell phone insurance when you use it to pay your (and your employees’) cell phone bill, and primary rental car insurance. You can get employee cards at no additional cost, and there are no foreign transaction fees. Read the full card review here.
Annual Fee: $95
Why it’s worth it: The Ultimate Rewards program may not have the most transfer partners (it has 11 compared to Amex Membership Rewards’ 20), but they can get you outsized valuewhen you redeem points for free flights with carriers such as British Airways and United, or for award stays at Hyatt properties. And if you spend a lot on travel or social media advertising, you’ll be able to keep earning significant UR points after the sign-up bonus thanks to the 3x bonus category for the first $150,000 in combined purchases made each year.
Apart from the large stash of Ultimate Rewards points you will get with the Ink Business Preferred‘s current sign-up offer, this card stands out for its unique cell phone insurance benefit. It offers up to $600 in protection against covered theft or damage, for up to three claims per year with just a $100 deductible. Even better, this covers employees’ cell phones too, though remember that you need to pay the respective bills using this card to get coverage. Primary rental car insurance is another great perk as well.
For the reasons outlined above, I consider this one of the top two business credit cards currently available. The Ink Business Preferred can be an even more powerful tool if you also hold the Chase Sapphire Reserve, since you’ll then be able to redeem points for 1.5 cents apiece through the Chase travel portal.