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#DIVVY CREDIT BUILDER PLUS#
Capital One Spark 2% Cash Plus for Business.Bank Business Leverage® Visa Signature® Card Bank of America® Business Advantage Customized Cash Rewards Credit Card.More business credit cards for flexible spending That’s what you’ll get with the American Express® Business Gold Card, which gives more points for the categories you spend the most in each month. You might want a flat-rate card – like you’ll find above – or you might prefer to go with flexible bonus categories that adapt to meet your needs.
#DIVVY CREDIT BUILDER SOFTWARE#
But what if you make a variety of purchases, sometimes spending more on shipping, advertising or software other times? Some companies have regular expenses each month, making it easy to plan a credit card rewards strategy. American Express Blue Business® Plus Credit Cardīest for Flexible Spending American Express® Business Gold Card.American Express Blue Business Cash™ Card.Capital One Spark 1.5% Cash Select for Business.Capital One Spark 1.5X Miles Select for Business.Capital One Spark 2X Miles for Business.You’ll use that other card whenever you’re spending in its bonus categories and your flat-rate card for everything else – solid rewards all around. It usually comes with a nice welcome bonus, too.įlat-rate cards are perfect to pair with cards that have bonus categories for specific purchases, like internet services or office supplies. The Capital One Spark 2% Cash Plus provides an excellent rate for everything you buy, twice as much as the normal 1% or 1X point for non-category purchases.
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There’s no thinking about which purchases earn what or how to best optimize your credit card spending – just easy cash back or points for every purchase, no hassle. (Some notable exceptions are the Brex cards, which look at your business credit and don’t require a personal guarantee.) Best for Flat-Rate Rewards Capital One Spark 2% Cash PlusĪ flat-rate rewards card gives you freedom from bonus categories. Your business credit usually isn’t involved. That’s because most business cards only look at your personal credit and require a personal guarantee – just like regular credit cards. You may have a new business, but in most cases, the age of your business won’t affect your ability to get a business credit card.

They also make it easy to separate your business and personal spending. Business cards tend to have special features for expense tracking and monitoring employee spending, along with other tools aimed at helping your company run smoothly. The right card can save you some money on your most frequent expenses – or give you some extra time to pay while you wait for revenue to come in. They’re accepted practically everywhere, consolidate your spending into one monthly bill and provide a host of rewards and benefits. A business credit card for your new startup can help propel you through that first year.Ĭredit cards are convenient payment options.
