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Comparing Business Cash Back Credit Cards
By Fred Cookman, Consumer Credit Writer
Copyright 2008, all rights reserved.

CASH BACK BUSINESS CREDIT CARDS are offered by all of the major credit card companies and with varying terms, introductory APR, and cash back rewards and bonuses. The typical small business owner can be easily overwhelmed with trying to decipher business credit card offers, and it's easy to see why many businesses hesitate to even apply for a cash back credit card because of the confusing program terms and requirements and changing interest rates.

One approach to selecting the best business credit card with cash back rewards for your particular business is to first determine your current credit standing or FICO score. For most new business owners, the credit card companies will look to the personal credit report and score for the new business owner. Most credit card companies rely on the personal credit report of the small business owner to determine if a business credit card is to be issued and on what terms.

Subsequently, it will save you time and effort to first prequalify yourself to determine if you are only eligible for business credit cards for no or bad credit history, or if you have the credit standing to apply for and get a business rewards credit card with better rates for individuals and businesses with an established good or excellent credit history and score. If you've worked hard to establish an excellent credit score, then you'll find more choices in credit cards with cash back rewards for businesses.

Be especially careful to only apply for business credit cards that offer affordable terms for your projected business startup revenues and expenses. While many business credit cards are promoted with a low introductory rate, read the fine print to ensure that the rate won't significantly and automatically increase over time. Because if you are late with a monthly payment, or you miss a payment altogether, the interest rate on the card for which you had problems paying might be exponentially increased, resulting in much higher minimum amount due each month.

In addition, and this is something that comes as an unwelcome surprise to many, if a late or missing payment has triggered a higher interest rate on one credit card account, this may negatively influence your FICO score; and a negative change in your FICO score might in turn trigger other credit card issuers to raise the rates on any credit cards or business rewards cards already issued to you or your business.

Let's take a quick look at a few of the best business credit cards offering cash back rewards, with an eye toward identifying which cash back cards are best-suited to your credit history and current credit rating and FICO score.

Cash Back Credit Card for No or New Credit

It's not uncommon for the owner of a newly launched business to have little or no credit history. Everyone has to start somewhere, and a few of the credit card companies have business credit card offers that are suitable for this scenario.

For the brand new business just starting out with no or limited credit history, consider the Capital One® No Hassle Points(SM) Rewards Card. Offering a 0% introductory rate on purchases, $29 annual fee, and unlimited opportunity to earn points redeemable for cash, this Capital One cash back card can be a boon to the startup business owner newly establishing a credit history.

Business Credit Card for Average Credit

American Express Blue Cash for Business Credit Card is a good choice if you have an average credit rating and score. The American Express Blue Card offers an introductory rate of 0% APR for the first six months, and for those seeking a balance transfer credit card, a special 7.99% introductory rate which is in effect if the new business card holder transfers the balance from other cards to the Blue Cash Card within the first six months of the term, and for purchases made at physical locations. The Amex Blue cash back rewards vary between 0.5% and 5%, depending on where purchases are made, and offers additional 3-5% savings at select hotels and businesses.

Consider the Citi Professional Card with Thank You if you have average credit and are looking for a business credit card with cash back and rewards that will accommodate your business and personal expenditures in one card. With its 0% APR for 9 months and 11.99% variable rate thereafter, this Citi business credit card has no credit limit and no annual fee.

Business Cash Back Credit Card for Good or Excellent Credit

The Capital One No Hassle Ultra Business Card for Professionals offers very low rates and is a great card for the business owner who plans on expensing most startup business expenses on the card and accumulate maximum airline miles rewards. Even with an annual fee of $39, this card is a good choice with its 0% introductory rate through September.

Another choice for professionals with very good credit is the Chase Business Cash Rewards Card. This business credit card offers generous rewards points, however the 5% cash back is on a very small percentage of your purchases.

Select the Business Credit Card with Cash Back Rewards You'll Actually Use

When evaluating which credit card application is optimal for you and your business, if your primary requirement is to get a business credit with cash back and rewards bonuses to receive discounts, via a cash refund on your statement, for all your business purchases, be sure to apply for the business cash back card that offers the highest cashback rewards and that gives you those cash rewards for both online and physical purchases at the businesses you typically buy from.

For new business startups especially, reducing expenses with cash back rewards and rebates can be the strategy that keeps a business in the black, so select your cash back credit card for business expenses carefully and with emphasis on giving you and your new business optimal buying power for as many potential business expenses as possible.

The flashy cash back credit card offers with the 0% APR introductory rate and no annual fee may look good at first glance, but if a reading of the fine print reveals that a rewards card limits you to capped annual spending at only a handful of commercial businesses that you typically never buy from, you may be much better off considering a business rewards card with a higher introductory APR, moderate annual fee, and generous cash back rewards for purchases at a much broader selection of stores, restaurants, gas stations and airlines with which you regularly conduct business.

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